SWP Calculator
Model a Systematic Withdrawal Plan — see how long your corpus lasts against regular monthly withdrawals.
About the SWP Calculator
A Systematic Withdrawal Plan (SWP) is the mirror image of a SIP: you invest a corpus once and withdraw a fixed amount every month, while the remaining balance stays invested and keeps earning. Retirees often use SWPs to convert a corpus into a monthly income.
The simulation here grows the balance at the monthly-compounded rate, deducts the withdrawal, and repeats — telling you the final balance or the exact month the corpus runs out.
Frequently asked questions
Is SWP better than a fixed deposit for monthly income?
SWPs from debt or hybrid funds can be more tax-efficient because only the gain portion of each withdrawal is taxed, but returns are not guaranteed like an FD.
What withdrawal rate is sustainable?
If your withdrawal rate is below the fund's long-term return, the corpus can last indefinitely; withdrawing more erodes the principal over time.