SWP Calculator
Simulate a Systematic Withdrawal Plan and see how long your corpus lasts.
About this calculator
A Systematic Withdrawal Plan lets retirees or anyone drawing a regular income from an investment pull out a fixed monthly amount while the remaining corpus keeps earning returns, but whether that corpus actually lasts or quietly runs out early depends on a race between your withdrawal rate and your investment's growth rate, a balance that isn't obvious without simulating it month by month. This calculator does exactly that: starting from your initial corpus, each month it grows the balance by the monthly-equivalent of your expected annual return, then deducts your fixed withdrawal, repeating for your chosen period and reporting the final balance, or flagging how many months the corpus actually lasted if withdrawals outpace growth and it depletes early. This is the same math used to evaluate retirement drawdown plans, letting you see concretely whether a given withdrawal amount is sustainable against your expected returns, or whether you're on track to exhaust your savings before the withdrawal period you planned for.
Worked example
₹20,00,000 corpus, ₹15,000/month withdrawal, 10% return, 15 years
Result: Final balance ≈ ₹27 lakh after 15 years
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