SWP Calculator

A systematic withdrawal plan is a SIP in reverse: you take a fixed amount out every month while the rest of the money stays invested. Each month the fund earns a return and your withdrawal is deducted, so the balance falls slowly at first and faster later.

1. Enter the amount invested, the return you expect and the monthly withdrawal.
2. The calculator applies the monthly return, then subtracts the withdrawal, month after month.
3. It shows how long the money lasts and what is left at the end.

The rule of thumb: while your withdrawal is smaller than the returns, the balance keeps growing. Above that, you are eating into capital — and the higher the withdrawal, the faster the pot empties.

Worked examples at a 9% expected return:

• ₹50,00,000, withdrawing ₹30,000 a month: that is ₹3,60,000 a year against about ₹4,50,000 of return, so the balance still grows.
• ₹50,00,000, withdrawing ₹50,000 a month: ₹6,00,000 a year against ₹4,50,000 of return — the pot shrinks and runs out in roughly 15 years.

Markets do not return the same amount every year, and a bad first few years while you are withdrawing does lasting damage. Keep a year or two of withdrawals in something safe. To plan the build-up phase, use the SIP calculator.