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SWP Calculator

Monthly withdrawals from a lumpsum, projected forward

₹
₹
%
Yr
Total withdrawn Balance left
Total investment₹10,00,000
Total withdrawn₹9,60,000
Balance after tenure₹12,34,567

Estimates only. Returns are not guaranteed. If withdrawals exceed growth the balance can run out before your chosen tenure ends.

SWP Calculator — Systematic Withdrawal Plan

An SWP lets you withdraw a fixed amount every month from a lumpsum investment, while the remaining balance stays invested and keeps earning returns. This calculator shows your total withdrawn amount and the balance left at the end of your chosen period — or, if withdrawals are too high, roughly when the money would run out.

Formula used

Balance after month = ( Previous balance × ( 1 + i ) ) − Withdrawal
iMonthly rate of return (annual rate ÷ 12 ÷ 100)
nNumber of months (years × 12)

The calculation runs month by month, so it accounts for the balance shrinking (or growing) over time — unlike a simple average.