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🏦 SWP Calculator
Estimate how your withdrawals impact your corpus over time, based on expected returns. Uses a conservative order: withdraw first, then earn return on remaining corpus.
⚙️ Inputs
Calculator
₹ 10,00,000
💡 Total amount available to withdraw from
₹ 10,000
💡 Withdrawal happens at the start of each month
10.00%
💡 Assumes monthly compounding (approx.)
10 years
💡 Check if corpus lasts the full period
0.00%
💡 Optional: increases withdrawal once every 12 months
📊 Results
Summary
🎯 Remaining Corpus (End)
₹ 0
—
💸 Total Withdrawn
₹ 0
—
⏳ Corpus Lasted
—
—
💡 How this works: Each month:
withdrawal happens first, then the remaining corpus grows by monthly return. If step-up is set, the withdrawal increases once every 12 months.
🧩 Visual Breakdown
Pie
Withdrawn vs Remaining
Total Withdrawn
₹ 0
Remaining Corpus
₹ 0
💡 If the corpus runs out early, remaining will show as ₹0.
What is an SWP (Systematic Withdrawal Plan)?
SWP is a method of withdrawing a fixed amount from an investment at regular intervals (usually monthly). It is often used for retirement income or regular cash flow, while the remaining amount stays invested.
- Starting corpus is your initial invested amount.
- Withdrawal amount is what you take out each month.
- Expected return is the assumed annual return (applied monthly here).
- Step-up increases your withdrawal every year (optional).
FAQ
Is this accurate to the last rupee?
It is an estimate. Actual SWP outcomes depend on real market returns, taxation, exit loads, and fund-specific rules.
What does step-up represent?
Step-up is typically used to mimic inflation or rising expenses by increasing withdrawals every year.
Can corpus increase even after withdrawals?
Yes, if returns are strong enough and withdrawals are relatively low, the remaining corpus may still grow.
Disclaimer: This tool is for informational purposes only and does not constitute financial advice.