SWP calculator: how long will your corpus last?
A systematic withdrawal plan (SWP) takes a fixed amount out of your investments each month. This calculator shows whether your corpus lasts and what is left.
How to use this calculator
- Enter the corpus you start with.
- Enter the amount you will withdraw each month.
- Enter the expected yearly return and the number of years.
- Read the balance at the end, or the time the corpus lasts if it runs out sooner.
Worked examples
Example 1
₹50,00,000 corpus, ₹30,000 a month, 8% return, 20 years.
You enter
| Starting corpus | ₹50,00,000 |
|---|---|
| Monthly withdrawal | ₹30,000 |
| Expected return (per year) | 8% |
| Years | 20 |
You get
| Balance at the end | ₹68,45,597 |
|---|---|
| Total withdrawn | ₹72,00,000 |
| Corpus lasts | the full 20 years |
Example 2
A higher withdrawal of ₹45,000 a month.
You enter
| Starting corpus | ₹50,00,000 |
|---|---|
| Monthly withdrawal | ₹45,000 |
| Expected return (per year) | 8% |
| Years | 20 |
You get
| Corpus lasts | 16 years 9 months |
|---|---|
| Total withdrawn | ₹90,15,431 |
How it works
If withdrawals are larger than what the corpus earns, the balance falls and the corpus may run out. If they are smaller, the balance can even grow.
Costs rise with inflation but a fixed withdrawal does not, so a plan that works on paper may feel tighter each year. Try a lower withdrawal to see the safety margin.
Formula
Each month: balance = (balance - withdrawal) x (1 + yearly return / 12 / 100).
Common questions
What withdrawal rate is safe?
There is no single safe rate; it depends on return, inflation and how long you need it. Test several.
Does it include tax?
No.
Can I raise the withdrawal each year?
This tool keeps it fixed.
Learn more
Read the lesson Goals and time horizons on pusaram.com for the ideas behind this calculator.
Calculators give estimates for learning and planning. They are not financial, tax, legal or medical advice, and results depend entirely on the numbers you enter. Check rates, limits and rules with an official source or a qualified professional before acting.