SWP Calculator
Estimate how scheduled monthly withdrawals affect an invested corpus over time.
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Actual investment returns are uneven and not guaranteed. Taxes, exit loads, and fund expenses are not included.
Your result
Enter your details to calculate.
Worked example
Sample inputs
- Currency
- Indian rupee (INR)
- Starting investment corpus
- 1000000
- Monthly withdrawal
- 10000
- Assumed annual return (%)
- 8
- Withdrawal period (years)
- 10
Estimated ending balance: ₹3,90,179.88
- Total withdrawals paid: ₹12,00,000.00
- Starting corpus: ₹10,00,000.00
- Monthly withdrawal: ₹10,000.00
How this swp calculator works
The model applies the assumed monthly return to the remaining balance, then subtracts the month’s withdrawal. It stops when the balance reaches zero or the selected term ends.
Actual investment returns are uneven and not guaranteed. Taxes, exit loads, and fund expenses are not included.
Frequently asked questions
What if the corpus runs out before the selected period?
The estimate reports that the balance was depleted and the approximate month when it happened.
Does the calculation assume a steady return every month?
Yes. The monthly return is held constant for this simplified estimate; real investment returns fluctuate.