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SWP Calculator.

Systematic withdrawal longevity and final corpus

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Set your values

Results update as you type.

$
$
%
Yr
Total investment$500,000
Total withdrawal$600,000
Final value$10,154

How to Use the SWP Calculator

A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from investments while the balance keeps growing.

  1. Enter your total investment.
  2. Enter the monthly withdrawal amount.
  3. Enter the expected return and duration.
  4. See how long your corpus lasts and the final balance.

SWP Logic

Monthly Balance

Balance = (Balance − Withdrawal) × (1 + r/12)

Each month a withdrawal is taken, then the remainder grows.

Example:

Input: ₹10L, ₹10k/mo, 9%

Calculation: iterated monthly

Result: lasts ~13+ years

Real-World Use Cases

Retirement Income

Draw a steady monthly income from a corpus.

Tax Efficiency

SWP can be more tax-efficient than dividends.

Tips

Tips

  • If withdrawals exceed returns, the corpus shrinks over time.
  • Keep the withdrawal rate sustainable (often ~4–6%/year).

Cite this calculator

Canonical URL: https://mathify.one/en/investment/swp

Cite as: Mathify. (2026). SWP Calculator. https://mathify.one/en/investment/swp

Use Cases

Retirement withdrawal planning

Determine how long your retirement savings will last if you withdraw a fixed monthly amount, helping you adjust your withdrawal rate or corpus size.

Example: Check if withdrawing ₹50,000 monthly from a ₹1 crore corpus at 8% annual return lasts 30 years.

Comparing SWP vs lump sum

Evaluate the impact of systematic withdrawals on your corpus over time, aiding in deciding between a systematic withdrawal plan and other income options.

Example: See the final corpus after 20 years of monthly withdrawals of ₹30,000.

Frequently Asked Questions

What is an SWP calculator?
An SWP (Systematic Withdrawal Plan) calculator estimates how long your investment corpus will last if you withdraw a fixed amount regularly, and what the final corpus value will be after the withdrawal period, considering an assumed rate of return.
How does the SWP calculator work?
You input your initial corpus, monthly withdrawal amount, expected annual return, and withdrawal period. The calculator projects the corpus balance over time, accounting for withdrawals and investment growth, and shows the final corpus value or the number of years the corpus lasts.
Can the SWP calculator predict my exact future corpus?
No, it provides an estimate based on the inputs you provide, especially the assumed rate of return. Actual market returns vary, so the final corpus may differ. Use it as a planning tool, not a guarantee.

Tips & Common Mistakes

Tips

  • Use a conservative expected return rate to account for market volatility and inflation.
  • Review your withdrawal amount periodically to ensure it aligns with your changing expenses and corpus performance.
  • Consider the impact of taxes on your withdrawals, as they can reduce your net income.
  • Use the calculator to test different withdrawal amounts and periods to find a sustainable plan.

Common Mistakes to Avoid

  • Assuming a constant return rate without considering market fluctuations.
  • Ignoring inflation, which reduces the purchasing power of your fixed withdrawals over time.
  • Forgetting to account for taxes on withdrawals, which can lower your actual income.

Last updated: August 13, 2026