Calculator
Enter SWP details
Adjust initial investment, expected return, monthly withdrawal, and duration to estimate your SWP outcome instantly.
Rs.
Rs.0Rs.50000000
%
0 %25 %
Rs.
Rs.0Rs.500000
Years
1 Years40 Years
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Estimate systematic withdrawals, remaining corpus, returns earned, and possible corpus exhaustion with monthly compounding.
Calculator
Adjust initial investment, expected return, monthly withdrawal, and duration to estimate your SWP outcome instantly.
Status
See whether the selected withdrawal plan can last through the full duration.
Withdrawal summary
Review planned monthly withdrawals, completed withdrawal months, and the corpus status.
Monthly withdrawal
₹10,000
Planned duration
10 years
Completed withdrawals
120 months
Corpus status
Active through tenure
Visualization
Track how the corpus changes month by month after returns and withdrawals.
Year-wise corpus movement after monthly compounding and withdrawals.
| Period | Opening corpus | Returns earned | Withdrawn | Closing corpus |
|---|---|---|---|---|
| Year 1 | ₹10,00,000 | ₹78,500 | ₹1,20,000 | ₹9,58,500 |
| Year 2 | ₹9,58,500 | ₹75,056 | ₹1,20,000 | ₹9,13,556 |
| Year 3 | ₹9,13,556 | ₹71,325 | ₹1,20,000 | ₹8,64,881 |
| Year 4 | ₹8,64,881 | ₹67,285 | ₹1,20,000 | ₹8,12,167 |
| Year 5 | ₹8,12,167 | ₹62,910 | ₹1,20,000 | ₹7,55,077 |
| Year 6 | ₹7,55,077 | ₹58,172 | ₹1,20,000 | ₹6,93,249 |
| Year 7 | ₹6,93,249 | ₹53,040 | ₹1,20,000 | ₹6,26,289 |
| Year 8 | ₹6,26,289 | ₹47,482 | ₹1,20,000 | ₹5,53,771 |
| Year 9 | ₹5,53,771 | ₹41,463 | ₹1,20,000 | ₹4,75,235 |
| Year 10 | ₹4,75,235 | ₹34,945 | ₹1,20,000 | ₹3,90,180 |
Formula
SWP is estimated month by month using monthly compounding and scheduled withdrawals.
Monthly SWP flow
Closing Corpus = Opening Corpus x (1 + r) - Withdrawal
In this formula, r is the monthly return rate, calculated as annual return divided by 12. Returns are added first, then the monthly withdrawal is deducted from the available corpus.
If the withdrawal is greater than the available corpus, the calculator withdraws only the remaining corpus, marks the exhaustion month, clamps the balance at zero, and stops further growth.
FAQ
Clear answers for common systematic withdrawal plan questions.
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