SWP Calculator
See how long your corpus lasts with a Systematic Withdrawal Plan.
Your inputs
Assumes your remaining corpus keeps earning the expected return each month while you withdraw a fixed amount.
Estimates only. Figures are indicative and do not constitute financial advice.
About the SWP Calculator
Retirees and anyone living off an investment corpus search "SWP calculator" to answer one critical question: will my money outlast me? A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment every month while the remaining balance keeps growing — and this calculator simulates exactly how that balance evolves month by month.
Unlike a simple 'corpus divided by monthly withdrawal' calculation (which ignores growth entirely), this tool accounts for your remaining balance continuing to earn your expected return every month, even as you withdraw from it. If your withdrawal rate is well below your expected return, your corpus could theoretically last indefinitely; if it's too aggressive, the calculator will show exactly when it depletes. This is the core calculation behind retirement income planning — deciding how much you can safely withdraw monthly without running out of money — and it's also useful for anyone using SWP as a tax-efficient way to generate regular income from a mutual fund instead of lump sum withdrawals.
How to use this calculator
- Enter your starting corpus.
- Enter your desired monthly withdrawal amount.
- Set your expected annual return.
- See how long your corpus lasts, or your remaining balance.
Frequently asked questions
›What is a safe withdrawal rate for SWP?
A commonly cited guideline is withdrawing no more than roughly 4-6% of your corpus annually, though the safe rate depends on your expected returns, inflation, and how long the corpus needs to last.
›Is SWP better than a lump sum withdrawal for tax purposes?
SWP can be more tax-efficient since each withdrawal is only partly capital gains (the rest is return of principal), spreading your tax liability over time rather than triggering it all at once.
›What happens if my withdrawal exceeds my returns?
Your corpus gradually depletes — this calculator shows you exactly how many months it lasts before running out at your chosen withdrawal amount and return rate.
Related calculators
Read the full guide
The SWP Withdrawal Rate That Grows Your Corpus Forever (And the One That Drains It)