Free calculator

SWP Calculator

Model a systematic withdrawal plan: a corpus, a monthly withdrawal and an assumed return. See what remains each year.

Total withdrawn: —
Balance at the end: —
Corpus lasts: —

Year-by-year schedule

How it works

The Formula, Shown

Balanceₘ = Balanceₘ₋₁ × (1 + i) − W

Each month the balance earns the monthly rate i, then the withdrawal W is taken out. If the balance reaches zero the plan stops.

Related service: Mutual Funds — Explore schemes by category and AMC, then invest by SIP or lump sum.

FAQs

SWP Calculator: common questions

Still unsure? Ask the desk

What is a sustainable withdrawal?

If the annual withdrawal is below the return the corpus earns, the balance grows; above it, the corpus is drawn down. The calculator shows which side you are on.

Is an SWP taxed?

Each withdrawal is a redemption of units, and capital gains rules apply to the gain portion. Tax is not modelled here.

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