Skip to content
Mathify

投资

即时、私密且免费

SWP 计算器.

系统性取款的持续时间与结余

设备端计算无需注册
01

输入数值

输入时结果会更新。

$
$
%
Yr
总投资额$500,000
提取总额$600,000
最终价值$10,154

Cite this calculator

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

Cite as: Mathify. (2026). SWP 计算器. https://mathify.one/zh/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