SWP Calculator
Explore a hypothetical monthly-withdrawal scenario and its modelled total withdrawals and ending balance. The output is under review and is not a decision recommendation.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Total Withdrawn
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Balance Left
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How the SWP calculator works
Enter your corpus, the monthly amount you want to withdraw, an expected return on the remaining balance, and the period. Each month the calculator grows the balance by one month's return, then subtracts your withdrawal — showing how much you draw in total and what's left at the end.
Why a fixed withdrawal rule is not a decision rule
A percentage rule of thumb cannot establish a suitable withdrawal level. Results change with returns, inflation, taxes, fees, timing, life events and other income. This page is under product and legal review and does not provide a recommendation or a sufficiency conclusion.
Methodology and limits
- Method version
swp-scenario-v2- Class
- D / R2 (gated-personalised)
- Effective date
- not-applicable
- Jurisdiction
- not-applicable
- Source status
- not-required-scenario-math
- Rounding
- Keep full precision for calculation; round only when formatting displayed values.
- Review trigger
- formula, assumption, input-contract, suitability-copy, legal-scope, or methodology change
Formula: For each month: grow opening balance by annualReturnPercent / 1200, then pay up to the stated withdrawal.
Educational boundary: Under-review scenario only; it does not establish sustainability, suitability, tax treatment, or personalised advice.
Included: One opening balance; A fixed withdrawal after a constant monthly return for a whole-year horizon
Excluded: Inflation-linked withdrawals, fees, tax and product restrictions; Sequence risk, changing returns, other income, longevity and suitability
Inputs: openingBalance (INR; 100000–100000000; default 5000000, existing public route default) · monthlyWithdrawal (INR; 1000–1000000; default 30000, existing public route default) · annualReturnPercent (percent per year; 1–20; default 9, existing public route default) · years (whole years; 1–40; default 20, existing public route default)
Outputs: totalWithdrawn (INR; raw calculation; displayed rounded to nearest rupee) · endingBalance (INR; raw calculation; displayed rounded to nearest rupee) · firstShortfallMonth (month number or null; whole month)
Assumptions: Return and withdrawal remain constant. Return is credited before each monthly withdrawal.
- Under product and legal review; not a sustainable or suitable withdrawal conclusion, forecast, recommendation, or personalised plan.
- Constant monthly return and withdrawal; no inflation adjustment, fees, tax, market sequence, product rules, cash-flow variation, or other income.
- A remaining modelled balance does not establish sufficiency.
Frequently Asked Questions
What is an SWP?
A Systematic Withdrawal Plan (SWP) is a way to request periodic withdrawals from an investment. This page models a simplified withdrawal scenario; it does not predict returns, establish regular income, or determine whether an SWP is suitable.
How long will my corpus last?
The illustration changes with the selected withdrawal, return, and time-period inputs. It shows a modelled ending balance under those assumptions, not how long money will actually last or whether the withdrawal is sustainable.
Does this tool compare SWP with dividend or interest payouts?
No. This page does not compare products, returns, risks, or tax outcomes, and it does not make a suitability conclusion. Any comparison requires current product terms, investor circumstances, and appropriately qualified advice.
How is SWP taxed?
Tax treatment depends on the fund, holding period, transaction details, and applicable law. This calculator does not calculate taxes or compare tax treatment. Check current official sources and seek appropriately qualified advice before acting.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.