SWP Calculator

About the SWP calculator

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an invested corpus at regular intervals, usually monthly. This calculator models how long the corpus may last and what balance may remain after withdrawals and assumed returns.

Use it when planning retirement cashflow, early retirement income, or a bridge period before pension, annuity, rent, or other income begins. It is most useful when you already have a corpus and want to test different withdrawal amounts against expected returns.

The projection is a deterministic scenario. Real portfolio returns do not arrive smoothly every month, and the order of returns can materially affect how long the corpus lasts, especially when withdrawals begin during a market decline.

1. 1Enter your starting corpus: Add the amount already available for withdrawals. This may be a mutual fund portfolio, retirement corpus, or any invested pool you plan to draw from.
2. 2Set the monthly withdrawal: Enter the fixed amount you want to withdraw each month for expenses or planned cashflow needs.
3. 3Choose the expected return: Enter the annual return assumption for the remaining invested corpus. Use a conservative return that reflects the actual asset mix.
4. 4Select the duration: Choose how many years you want to test. The calculator will show whether the corpus survives the full period or gets exhausted earlier.
5. 5Review sustainability: Check total withdrawn, returns earned, remaining balance, and the year-by-year balance path before finalizing a withdrawal plan.

How is the SWP balance calculated?

Balance after each month = Balance × (1 + r) − W

Returns earned are calculated as total withdrawals plus remaining balance minus the initial corpus.