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SWP Calculator � Systematic Withdrawal Plan Income & Corpus Longevity

Calculate how long your retirement corpus lasts with monthly SWP withdrawals.

✓ Formula verified: January 2026For informational purposes only

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SWP Calculator

Results update instantly as you type

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Corpus Lasts

Yes

↑ Gain

Total Withdrawn₹1.80Cr

Corpus After Period₹14.22Cr

Months Corpus Lasted600 months (50.0 years)

Withdrawal Chart Data[{"year":1,"balance":10207498.77},{"year":2,"balance":10432219.83},{"year":3,"balance":10675592.63},{"year":4,"balance":10939165.25},{"year":5,"balance":11224614.27},{"year":6,"balance":11533755.42},{"year":7,"balance":11868555.13},{"year":8,"balance":12231143.05},{"year":9,"balance":12623825.59},{"year":10,"balance":13049100.59},{"year":11,"balance":13509673.2},{"year":12,"balance":14008473.11},{"year":13,"balance":14548673.17},{"year":14,"balance":15133709.56},{"year":15,"balance":15767303.69},{"year":16,"balance":16453485.82},{"year":17,"balance":17196620.73},{"year":18,"balance":18001435.47},{"year":19,"balance":18873049.43},{"year":20,"balance":19817006.93},{"year":21,"balance":20839312.43},{"year":22,"balance":21946468.78},{"year":23,"balance":23145518.56},{"year":24,"balance":24444088.89},{"year":25,"balance":25850439.91},{"year":26,"balance":27373517.37},{"year":27,"balance":29023009.51},{"year":28,"balance":30809408.69},{"year":29,"balance":32744078.11},{"year":30,"balance":34839324.14},{"year":31,"balance":37108474.56},{"year":32,"balance":39565963.35},{"year":33,"balance":42227422.49},{"year":34,"balance":45109781.43},{"year":35,"balance":48231374.74},{"year":36,"balance":51612058.76},{"year":37,"balance":55273337.88},{"year":38,"balance":59238501.36},{"year":39,"balance":63532771.46},{"year":40,"balance":68183463.86},{"year":41,"balance":73220161.43},{"year":42,"balance":78674902.41},{"year":43,"balance":84582384.21},{"year":44,"balance":90980184.08},{"year":45,"balance":97908998.19},{"year":46,"balance":105412900.45},{"year":47,"balance":113539622.9},{"year":48,"balance":122340859.3},{"year":49,"balance":131872593.99},{"year":50,"balance":142195457.95}]

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The Formula

Balance = Balance × (1 + r/12) − Withdrawal

SWP calculates how long your corpus lasts by simulating monthly withdrawals while the remaining balance continues to earn returns.

Variable Definitions

Initial Corpus

Total investment amount at the start of withdrawals

Monthly Rate

Annual return rate divided by 12

Monthly Withdrawal

Amount withdrawn every month

How to Use This Calculator

1
Enter your total investment corpus.
2
Enter your expected annual return rate.
3
Enter the monthly withdrawal amount you need.
4
Enter the period (in years) you need the corpus to last.
5
Check if your corpus lasts the full period.

Common Applications

Plan retirement withdrawals to ensure corpus lasts throughout retirement
Calculate sustainable monthly income from investment corpus
Compare different withdrawal strategies and their impact on corpus longevity

Understanding the Concept

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investment corpus at regular intervals while the remaining balance continues to earn returns. SWPs are commonly used by retirees to generate a steady income stream from their retirement corpus.

Frequently Asked Questions

Sources & References

SEBI — Mutual Funds

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SWP Calculator � Systematic Withdrawal Plan Income & Corpus Longevity

SWP Calculator

Enter Values

The Formula

Variable Definitions

How to Use This Calculator

Common Applications

Understanding the Concept

Frequently Asked Questions

Sources & References

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Reviews

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