SWP Calculator
A Systematic Withdrawal Plan pays you a fixed amount from your corpus every month while the rest stays invested. See whether your money lasts the full period — and optionally raise the withdrawal with inflation each year to keep your income’s buying power. Everything runs in your browser.
Educational maths on your own numbers at an assumed, constant return. Real returns vary and a bad early stretch can drain a corpus faster — this is not advice, a prediction or a guarantee.
What is an SWP?
A Systematic Withdrawal Plan lets you redeem a set amount from an investment (usually a mutual fund) at a regular interval — often monthly — while the remaining units stay invested and keep growing. It’s a common way to draw a pension-like income in retirement. The danger is withdrawing faster than the corpus can earn, which slowly (or quickly) empties it. Linking withdrawals to inflation protects your buying power but drains the corpus sooner.
SWP — frequently asked questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP lets you withdraw a fixed amount from your invested corpus at regular intervals, usually monthly, while the balance stays invested and continues to earn returns. It is commonly used to create a steady income, for example after retirement.
How long will my corpus last with an SWP?
It depends on the corpus size, the monthly withdrawal, the return earned and whether you raise withdrawals with inflation. If withdrawals plus inflation outpace returns, the corpus shrinks each year and can run out before your chosen period. This calculator shows the month it would be exhausted, if any.
Why increase withdrawals with inflation?
A fixed ₹30,000 a month buys less every year as prices rise. Raising the withdrawal by inflation each year keeps your real, spendable income roughly constant — but it also draws down the corpus faster, so the money may last fewer years.