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SWP Calculator

See how long a corpus lasts with a Systematic Withdrawal Plan.

Planning your retirementStep 6 of 7

Best for: Use it to plan retirement income from a corpus, or to set a sustainable monthly withdrawal.

Complete guide
See benchmark ranges Why this result happened View assumptions
Currency / Country:

Input

Result

Estimate

Total withdrawn

₹53,93,191

Your withdrawals last
22 years 6 months
Standard formula Private — runs in your browser, no account

What to do next

Part of the 🌅 Retire Early pathNext: Net Worth Calculator
Most users next calculate
SSI Payment CalculatorPPF Calculator
More about this result
Result quality
Type
Projection
Method
Assumption-based projection
Confidence
Indicative

A forward-looking projection based on assumptions (rates, returns, time); actual outcomes will differ.

What this means

The result is how many months/years the money lasts and the balance over time. If withdrawals are smaller than monthly growth, the corpus never runs out.

What impacts this result most?
  1. 1.
    Withdrawal amountHigh impact

    Larger withdrawals drain the corpus faster.

  2. 2.
    Expected returnHigh impact

    Returns above withdrawals can preserve the corpus.

  3. 3.
    CorpusMedium impact

    A larger starting corpus lasts longer.

How to improve this result
  • Keep withdrawals at or below the corpus's growth
  • Start with a larger corpus
  • Trim withdrawals in down years
3 Important insights
  • Inflation often matters more than expected over the long run.
  • Small rate changes can significantly affect total outcomes.
  • Long-term consistency usually beats short-term timing.

Small, consistent changes compound: time in the market usually beats timing the market.

People usually ask next
Is this above average? Compare SIP Calculator

Worth a revisit later — market returns change.

Was this helpful?
How it's calculated & sources
The SWP Calculator uses the standard formula for this calculation. It runs entirely in your browser, so your inputs are never uploaded. Figures are educational estimates, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
Key assumptions
  • Constant return assumed
  • Fixed monthly withdrawal

Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.

How it works

A Systematic Withdrawal Plan grows your remaining corpus at the expected return each month, then deducts your fixed withdrawal. We show how many years it lasts before the corpus runs out (or if it sustains 40+ years).

Frequently asked questions

What is SWP?+

A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from a mutual fund while the rest stays invested — popular for retirement income.

Continue your journey

Where people usually head next.

🧾
SSI Payment Calculator
Estimate your 2026 monthly Supplemental Security Income (SSI) from your income and living situation.
🏦
PPF Calculator
Project your Public Provident Fund maturity with a full year-by-year schedule.
💼
EPF Calculator
Estimate your Employees' Provident Fund corpus at retirement.
🧓
NPS Calculator
Project your National Pension System corpus, lump sum and monthly pension.

Complete guide

Quick answers

Short, sourced answers to the questions people (and AI assistants) ask most.

What is SWP?
An SWP calculator shows how long a lump-sum corpus lasts when you withdraw a fixed amount every month (a Systematic Withdrawal Plan), while the remaining balance keeps earning returns.
Why does SWP matter?
It sets your income and how long the corpus lasts while the rest stays invested.
How is SWP calculated?
Each month the corpus earns a month's return, then your withdrawal is subtracted. If returns exceed withdrawals the corpus can last indefinitely; if not, it depletes over time. Formula: Each month: balance = balance × (1 + i) − withdrawal.
What is a good swp?
About 4% per year for a 30-year horizon
What are common swp mistakes?
A guideline, not a guarantee
When should you use the SWP Calculator?
Use it to plan retirement income from a corpus, or to set a sustainable monthly withdrawal.

What is the SWP Calculator?

An SWP calculator shows how long a lump-sum corpus lasts when you withdraw a fixed amount every month (a Systematic Withdrawal Plan), while the remaining balance keeps earning returns.

How the SWP Calculator works

Each month the corpus earns a month's return, then your withdrawal is subtracted. If returns exceed withdrawals the corpus can last indefinitely; if not, it depletes over time.

Each month: balance = balance × (1 + i) − withdrawal
  • balance — Starting corpus
  • i — Monthly return = annual % ÷ 12 ÷ 100
  • withdrawal — Fixed monthly withdrawal
  1. Enter your swp amount — the fixed amount you withdraw from an investment each month in a Systematic Withdrawal Plan.
  2. Enter your expected annual return — the yearly growth rate you assume an investment will earn, on average, over time.
  3. Enter your investment amount — the money you put into an investment, either as a lump sum or over time.
  4. Read the result, then change any input to compare scenarios instantly — the SWP Calculator recalculates as you type.

Understanding the inputs

What each value means, why it matters, and a typical range — so you can fill in the calculator with confidence.

SWP Amount

The fixed amount you withdraw from an investment each month in a Systematic Withdrawal Plan.

Why it matters:
It sets your income and how long the corpus lasts while the rest stays invested.
Typical range:
Set so withdrawals stay at or below the corpus's growth to preserve it.
How it affects results:
  • Higher: The corpus depletes faster.
  • Lower: The corpus lasts longer.

Common mistake: Withdrawing more than the corpus earns, which steadily drains it.

Expected Annual Return

The yearly growth rate you assume an investment will earn, on average, over time.

Why it matters:
Small differences compound into large gaps over years, so this assumption drives the projection.
Typical range:
6% to 12% per year for diversified equity investing is a common planning range.
How it affects results:
  • Higher: A more optimistic projection that may not hold - markets vary year to year.
  • Lower: A more conservative, safer projection.

Common mistake: Assuming a high return is guaranteed; real returns are volatile and not promised.

Investment Amount

The money you put into an investment, either as a lump sum or over time.

Why it matters:
It is the base your returns compound on - more invested means more growth.
Typical range:
Any amount; there is no standard value.
How it affects results:
  • Higher: Larger final value, assuming the same return.
  • Lower: Smaller final value.

Common mistake: Entering a monthly amount where a one-time lump sum is expected.

Benchmark reference

What counts as poor, average or excellent for this metric.

Safe Withdrawal Rate

Average~4%/yr

Source: Trinity study / 4% rule · Updated June 2026

Typical values

Safe Withdrawal Rate:
About 4% per year for a 30-year horizon

Common interpretation errors

  • A guideline, not a guarantee
  • Sequence-of-returns risk matters early on

What impacts results most

  1. 1.
    Withdrawal amount (High impact)Larger withdrawals drain the corpus faster.
  2. 2.
    Expected return (High impact)Returns above withdrawals can preserve the corpus.
  3. 3.
    Corpus (Medium impact)A larger starting corpus lasts longer.

Key assumptions

  • Constant return assumed
  • Fixed monthly withdrawal

How long a ₹50,00,000 corpus lasts (monthly withdrawal vs annual return)

₹20,00060+ yrs60+ yrs60+ yrs
₹30,00030 yrs60+ yrs60+ yrs
₹40,00016.4 yrs22.5 yrs60+ yrs
₹50,00011.6 yrs13.8 yrs18 yrs

Worked example

Inputs: Corpus $5,000,000, 8% return, withdraw $30,000/month Calculation: each month: balance ×(1+r) − withdrawal Result: lasts about 100 years What it means: If monthly growth exceeds the withdrawal the corpus can last indefinitely; here it slowly depletes.

Compared to alternatives

SWP vs SIP

Drawing a regular income versus building a corpus.

SWPSIP
Cash flowMoney out monthlyMoney in monthly
StageRetirement / drawdownAccumulation
GoalSustainable incomeLong-term growth

Bottom line: Build with a SIP, then draw it down with an SWP that stays below the corpus's growth.

SWP calculator·SIP calculator

Related concepts

How SWP connects to the concepts around it.

SIP:
Investing a fixed amount at regular intervals.
Withdrawal Rate:
The yearly percentage you can safely draw from a pot.
Retirement:
The savings needed to fund life after work.
FIRE:
A corpus near 25x annual expenses that funds early retirement.

Reviewed sources & methodology

Methodology: Projection · Last reviewed June 2026.

Keywords: swp, withdrawal, retirement income, mutual fund.

This is an educational estimate, not financial advice. Rates, rules and figures change — verify the latest with the provider or a qualified advisor before you decide.

Reviewed by the Free Tools Galaxy editorial team · Updated June 2026 · Calculated privately in your browser.

Frequently asked questions

Is the SWP Calculator free to use?+

Yes. Every tool on Free Tools Galaxy is 100% free, runs in your browser and requires no signup.

How accurate is the SWP Calculator?+

SWP Calculator uses the standard swp formula in double-precision arithmetic, so the same inputs always produce the same result and you can verify any figure by hand. It is an educational estimate — real-world outcomes depend on your actual rates, rules and assumptions.

Do you store my inputs?+

No. The SWP Calculator runs entirely in your browser. Nothing is uploaded or saved to a server.

Can I use the SWP Calculator on mobile?+

Yes — the interface is fully responsive and works on phones, tablets and desktops.

What are common mistakes to avoid?+

The most frequent mistake is mixing units. Double-check your inputs use a single, consistent unit before clicking Calculate.

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