SWP Calculator
Model a systematic withdrawal plan: how long your corpus lasts, what you withdraw in total, and what remains.
Withdrawal plan
Total withdrawn
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Remaining corpus
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Corpus lasts
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How an SWP works
You withdraw a fixed amount monthly while the rest keeps earning. Withdraw less than the corpus earns and it lasts forever; more, and the "corpus lasts" figure shows when it runs out.
Frequently asked questions
What withdrawal rate makes a corpus last forever?
If the monthly withdrawal is no more than the corpus times the monthly return rate, the corpus never shrinks. For example, at 8% per annum a corpus of ₹50 lakh sustains about ₹33,000 per month indefinitely before inflation.
Does this account for inflation?
No — it models a fixed withdrawal. In real life you will likely need to increase withdrawals with inflation, which shortens how long the corpus lasts. Plan with a buffer.