SWP Calculator
Check how long an investment lasts once you start drawing a fixed monthly withdrawal from it, and what's left over once the withdrawals stop.
Corpus Balance Over Time
Watch whether your corpus grows, holds steady, or depletes over time based on the gap between your withdrawal rate and your expected returns.
How SWP is Calculated
Each month the balance grows at your expected rate of return and then your fixed withdrawal is deducted — if withdrawals exceed the growth rate, the corpus shrinks over time even while earning returns.
SWP Balance Formula
Bm = Bm-1 × (1 + R/12) − W
Investment
₹10,00,000.00
Monthly Withdrawal (W)
₹10,000.00
Annual Return (R)
8%
Tenure
10 Years
Final Balance
₹3,77,983.48
Where: Bm is the balance at the end of month m, R is the expected annual rate of return, and W is your fixed monthly withdrawal. Each month, interest is added to the balance first, and the withdrawal is then deducted. This repeats every month across your chosen tenure.
SWP Calculation Example
See how your corpus changes over time using the values you've entered.
Worked Example
Suppose you invest ₹10,00,000.00 and withdraw ₹10,000.00 every month, while your remaining balance grows at an expected 8% per year, over a period of 10 years.
Over this period, you would withdraw a total of ₹12,00,000.00.
Based on these values, your remaining balance at the end of the tenure would be approximately ₹3,77,983.48.
A few things worth knowing about SWP:
If your withdrawal rate is lower than your expected rate of return, your corpus can last indefinitely, or even grow.
If your withdrawal rate is higher than your returns, your corpus will gradually deplete, potentially before your chosen tenure ends.
Actual mutual fund returns fluctuate with the market, so treat this as an estimate rather than a guarantee.
Year-wise Withdrawal Breakdown
See total withdrawals taken, growth earned, and remaining corpus at the end of each year.
Swipe horizontally to view the complete SWP breakdown.
| Year | Opening Balance | Withdrawals | Interest Earned | Closing Balance |
|---|---|---|---|---|
| 1 | ₹10,00,000.00 | ₹1,20,000.00 | ₹77,670.25 | ₹9,57,670.25 |
| 2 | ₹9,57,670.25 | ₹1,20,000.00 | ₹74,156.90 | ₹9,11,827.15 |
| 3 | ₹9,11,827.15 | ₹1,20,000.00 | ₹70,351.95 | ₹8,62,179.10 |
| 4 | ₹8,62,179.10 | ₹1,20,000.00 | ₹66,231.19 | ₹8,08,410.29 |
| 5 | ₹8,08,410.29 | ₹1,20,000.00 | ₹61,768.40 | ₹7,50,178.69 |
| 6 | ₹7,50,178.69 | ₹1,20,000.00 | ₹56,935.21 | ₹6,87,113.89 |
| 7 | ₹6,87,113.89 | ₹1,20,000.00 | ₹51,700.86 | ₹6,18,814.75 |
| 8 | ₹6,18,814.75 | ₹1,20,000.00 | ₹46,032.06 | ₹5,44,846.82 |
| 9 | ₹5,44,846.82 | ₹1,20,000.00 | ₹39,892.76 | ₹4,64,739.58 |
| 10 | ₹4,64,739.58 | ₹1,20,000.00 | ₹33,243.90 | ₹3,77,983.48 |
Frequently Asked Questions
Common questions on sustainable withdrawal rates, taxation of SWP payouts, and how SWPs compare to dividend or interest income.
Disclaimer
Results are estimates for informational purposes only and may differ from actual values. Do not make financial, investment, tax, or legal decisions based solely on these results. Verify important calculations with official sources or a qualified professional. CalcMint is not liable for any loss or damage resulting from the use of this calculator.
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