SWP Calculator
Calculate systematic withdrawal plan returns and how long your corpus lasts.
SWP Details
This calculation is an estimate. Actual mutual fund returns vary based on market performance, expense ratios, and withdrawal timing.
SWP Report
Not calculatedYearly Withdrawal Schedule
Enter SWP details to generate the schedule| Year | Opening Balance | Annual Withdrawal | Interest Earned | Closing Balance |
|---|---|---|---|---|
| Your detailed schedule will appear here. | ||||
Report generated by TheProfitEra™ on . Balance is computed monthly using the reducing-balance method with monthly compounding.
Plan a systematic withdrawal schedule by estimating how regular withdrawals may affect an invested corpus over time.
How Does the SWP Calculator Work?
The calculator applies the expected monthly return to the opening balance, subtracts the monthly withdrawal and records the balance and interest for each period.
SWP Calculator Formula
Each month is estimated as closing balance = opening balance × (1 + monthly rate) − withdrawal, with the monthly rate derived from the annual assumption.
Example Calculation
A ₹10,00,000 corpus with ₹10,000 monthly withdrawals and an assumed 8% annual return can be modelled over 20 years to see the projected balance path.
How to Interpret the Result
Compare the withdrawal total, estimated interest, and remaining balance. A higher withdrawal or a lower return assumption can reduce the projected corpus more quickly.
Important Limitations
The projection does not capture market volatility, sequence of returns, taxes, fees, inflation, or changes to the withdrawal amount. Actual corpus longevity may differ.
Benefits of Using a SWP Calculator
Test whether a planned withdrawal amount fits a target horizon.
See total withdrawals, estimated interest and final balance together.
Use the yearly schedule to compare retirement-income scenarios.
Frequently Asked Questions
What is an SWP?
A Systematic Withdrawal Plan is a method of taking regular withdrawals from an invested corpus.
Will my corpus last exactly as shown?
Not necessarily. The result depends on the assumed return, withdrawal timing, taxes, fees and actual market performance.
Can I change the withdrawal duration?
Yes. Choose years or months and enter a duration that matches your planning scenario.