Finance & Investment
SWP Calculator
SWP — SWP Calculator models a systematic withdrawal: each period it pays a fixed amount and grows the remaining balance at the expected return. This page runs that same calculation on your numbers, in your browser: no signup, no uploads, nothing stored.
SWP Calculator lets you plan a systematic withdrawal from a corpus in seconds: enter your starting corpus, monthly withdrawal and expected annual return for how long the corpus lasts and the balance over time, all worked out locally in your browser.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
SWP Calculator models a systematic withdrawal: each period it pays a fixed amount and grows the remaining balance at the expected return. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. Here is the calculation on real numbers: From a ₹1,000,000 corpus earning 8%, withdrawing ₹8,000/month roughly matches the monthly growth (≈₹6,670), so the corpus draws down slowly rather than instantly. For your own figures, use the calculator above — same method, your inputs, computed on-device.
How to use
- Enter the starting corpus you will draw from.
- Type the fixed amount you plan to withdraw each month.
- Set the expected annual return the corpus still earns.
- Tap Calculate to see how long the withdrawals can last.
Why use the SWP Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it when planning a monthly withdrawal in retirement
Use it when topping up a salary from savings
Use it when setting a sustainable withdrawal rate
Use it when balancing withdrawals against growth
Use it when comparing withdrawal amounts
Use it for everyday income-planning reference
Technical notes
SWP Calculator models a systematic withdrawal: each period it pays a fixed amount and grows the remaining balance at the expected return.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
Nothing you type is uploaded — the calculation happens entirely on your device.
Worked example
From a ₹1,000,000 corpus earning 8%, withdrawing ₹8,000/month roughly matches the monthly growth (≈₹6,670), so the corpus draws down slowly rather than instantly.
FAQ
How does the SWP duration get calculated?
The tool deducts each monthly withdrawal and adds monthly growth to the remaining balance, repeating until the corpus is exhausted, then reports the time elapsed.
Does the SWP Calculator send my data to a server?
No. The SWP Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What if withdrawals are smaller than the growth?
If monthly growth exceeds the withdrawal, the corpus never runs out and the tool reports that the withdrawals are sustainable indefinitely.
How is an SWP different from an annuity?
An SWP keeps your money invested and variable while you draw it down, whereas an annuity is a fixed contract you buy from a provider.