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🏧 SWP Calculator

Calculate how long your corpus will last with a Systematic Withdrawal Plan (SWP). Enter your total savings, monthly withdrawal amount, and expected return to see how many months your fund will sustain you.

SWP Calculation Method

Each month: Balance = Balance × (1 + r/12) − Withdrawal

Where r is the annual return rate. The simulation runs month by month until the balance reaches zero or 600 months (50 years), whichever comes first.

How to Use the SWP Calculator

  1. 1
    Enter Your Corpus
    The total amount you have saved or plan to have at the start of withdrawals.
  2. 2
    Set Monthly Withdrawal
    Enter the fixed amount you plan to withdraw each month.
  3. 3
    Enter Expected Return
    The average annual return you expect your corpus to earn while invested.
  4. 4
    View Sustainability
    See how many months and years your corpus will last at the given withdrawal rate.

Real-World Example

You retire with $500,000, withdraw $2,500/month, and earn 7% annually.

Monthly return rate = 7% ÷ 12 = 0.583%
Month 1: $500,000 × 1.00583 − $2,500 = $500,417
Corpus lasts approx. ~26 years
Total withdrawn ≈ $780,000+
'Does SWP have tax implications?', 'answer' => 'Yes. In many jurisdictions, each SWP withdrawal is treated as a partial redemption. The gains component may be subject to capital gains tax. Long-term capital gains (from equity funds held >1 year) may be taxed differently from short-term gains. Consult a tax advisor for your specific situation.'], ]" />

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