Sustainable monthly withdrawals. The SWP Calculator takes investment corpus, monthly withdrawal, expected annual return, withdrawal period and returns balance after the period plus how long the corpus lasts, total withdrawn over the period, withdrawal that keeps the corpus intact. Results update as you type, and the formula is shown under the result so you can repeat it in your own spreadsheet.
Government-backed schemes publish their interest rates quarterly and market-linked funds do not guarantee returns. Enter the current rate for the scheme and treat market-return assumptions as scenarios rather than promises. Use the worked example below to check the maths against your own figures.
How the SWP Calculator works
A systematic withdrawal plan takes a fixed amount every month while the rest stays invested. If withdrawals are below the monthly return the corpus grows for ever; above it, the balance eventually runs out.
Worked example
With the example values (investment corpus of ₹5,000,000, monthly withdrawal of ₹30,000, expected annual return of 8%, withdrawal period of 20 years), the balance after the period is ₹6,963,401.39; how long the corpus lasts nan, total withdrawn over the period ₹7,200,000.00, withdrawal that keeps the corpus intact ₹33,333.33. Change any figure above and the result updates immediately; use Copy results to paste the summary into a note or email.
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Frequently Asked Questions
How is balance after the period calculated?
balance = corpus × (1 + i)n − withdrawal × [(1 + i)n − 1] ÷ i, with i the monthly rate.
Which figures do I need?
Investment corpus, monthly withdrawal, expected annual return, withdrawal period. Take them from the same period and the same set of accounts or reports so the ratio is consistent, and check the example values as a guide to the units expected.
Is the interest rate fixed?
Small-savings rates are reviewed by the government every quarter and bank rates change with policy; market-linked schemes have no fixed rate at all. Enter the current rate for your scheme and revisit the result when rates change.
