SWP Calculator
A Systematic Withdrawal Plan takes a fixed monthly amount out of an invested corpus while the remainder keeps compounding. The calculator shows how long the corpus lasts and what is left at a chosen horizon.
Calculator Universe is published by SmartAI Labs. The panel above is the interactive SWP Calculator; the rest of this page is ordinary HTML so you can read how the tool works without waiting for the app to boot.
How the SWP Calculator works
A Systematic Withdrawal Plan takes a fixed monthly amount out of an invested corpus while the remainder keeps compounding. The calculator shows how long the corpus lasts and what is left at a chosen horizon.
Formula / method. Each month: corpus ← corpus × (1 + i) − W. If corpus hits zero, withdrawals stop. i is expected annual return ÷ 12; W is the monthly draw.
When to use it. Use it for a retirement drawdown or to replace a bank SWP illustration. It is the inverse of a SIP: same compounding, opposite cash-flow sign.
How to run a comparison
- Open SWP Calculator from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
Withdrawal is constant in rupees (not inflation-indexed unless you raise W). A bad return sequence can exhaust the corpus earlier than the average rate implies.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
Related calculators in Finance Studio
- SIP Calculator — Estimate returns from systematic monthly investments.
- Lumpsum Calculator — Calculate future wealth from one-time investments.
- Step-Up SIP Calculator — See growth with annual percentage SIP top-ups.
- Mutual Fund Return — Calculate total returns and CAGR for mutual funds.
- Lumpsum + SIP — Combine initial capital with monthly SIP growth.
- Fund Fees Calculator — See how expense ratio fees erode SIP + lumpsum wealth over decades.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
About this page. The app panel is the interactive calculator; this HTML section is the publisher content for readers and ad-quality review. Privacy Policy · Terms & Disclaimer · About