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SWP calculator
How long a corpus lasts when you withdraw every month.
Quick answer
A systematic withdrawal plan takes a fixed amount from an investment each month while the balance keeps earning a return. Formula: Each month: take out the withdrawal, then the remaining balance grows by i = yearly return ÷ 12 ÷ 100. A ₹50,00,000 corpus with ₹40,000 withdrawn monthly at 8% still has about ₹9.16 lakh left after 20 years.
Read the guide: How to plan regular withdrawals with an SWP
Balance left at the end
₹9,16,125
- Total withdrawn
- ₹96,00,000
- Starting investment
- ₹50,00,000
Returns are not guaranteed. Real investments go up and down, so treat this as an illustration of the maths.
- Balance
Year-by-year table
| Year | Withdrawn | Balance |
|---|---|---|
| 1 | ₹4,80,000 | ₹49,13,681 |
| 2 | ₹4,80,000 | ₹48,20,197 |
| 3 | ₹4,80,000 | ₹47,18,953 |
| 4 | ₹4,80,000 | ₹46,09,307 |
| 5 | ₹4,80,000 | ₹44,90,560 |
| 6 | ₹4,80,000 | ₹43,61,958 |
| 7 | ₹4,80,000 | ₹42,22,681 |
| 8 | ₹4,80,000 | ₹40,71,844 |
| 9 | ₹4,80,000 | ₹39,08,489 |
| 10 | ₹4,80,000 | ₹37,31,574 |
| 11 | ₹4,80,000 | ₹35,39,976 |
| 12 | ₹4,80,000 | ₹33,32,475 |
| 13 | ₹4,80,000 | ₹31,07,752 |
| 14 | ₹4,80,000 | ₹28,64,377 |
| 15 | ₹4,80,000 | ₹26,00,802 |
| 16 | ₹4,80,000 | ₹23,15,350 |
| 17 | ₹4,80,000 | ₹20,06,206 |
| 18 | ₹4,80,000 | ₹16,71,403 |
| 19 | ₹4,80,000 | ₹13,08,811 |
| 20 | ₹4,80,000 | ₹9,16,125 |
How is SWP withdrawals calculated?
A systematic withdrawal plan pays you a fixed amount from an investment while the rest keeps earning.
If the withdrawal is bigger than the monthly return, the balance shrinks; if the balance hits zero early, the calculator says when.
Inflation is not included, so the same ₹40,000 buys less each year. Keep a margin or raise the withdrawal over time.
What is the formula for SWP withdrawals?
- Each month: take out the withdrawal, then the remaining balance grows by i = yearly return ÷ 12 ÷ 100
- Balance = (balance − withdrawal) × (1 + i), until the balance reaches 0 or the period ends
Can you show a worked example of SWP withdrawals?
₹50,00,000 with ₹40,000 withdrawn each month at 8% for 20 years: you take out ₹96,00,000 in total and ₹9,16,125 is still left.
How long does ₹50 lakh last with a monthly withdrawal?
A starting investment of ₹50,00,000 at an assumed 8% a year, over 20 years.
| Monthly withdrawal | Total withdrawn | What is left |
|---|---|---|
| ₹30,000 | ₹72,00,000 | ₹68,45,597 left after 20 years |
| ₹40,000 | ₹96,00,000 | ₹9,16,125 left after 20 years |
| ₹50,000 | ₹81,68,051 | Runs out after 13 years 8 months |
| ₹60,000 | ₹72,48,261 | Runs out after 10 years 1 month |
Common questions
What is a safe withdrawal rate?
A common rule of thumb is around 4% of the corpus a year, but the right figure depends on returns, inflation and how long you need the money.
Is SWP income taxable?
The gains part of each withdrawal can be taxed. The rules depend on the fund type and how long you held it, so check current rules.
What if returns are lower than I assumed?
The money runs out sooner. Try a lower return in the box to stress-test your plan.
Is the withdrawal taken at the start or end of the month?
At the start of each month, before that month’s growth.