SWP Calculator
How long a corpus lasts when you withdraw every month.
Year-by-year breakdown
Free SWP calculator for India and the US
This free SWP calculator models a systematic withdrawal plan: you start with a corpus, it keeps earning a return, and you withdraw a fixed amount every month. The calculator simulates it month by month and shows how long the corpus lasts, how much you withdraw in total, and the balance left at the end. If your withdrawals are smaller than the returns, the corpus can actually keep growing. No sign-up, works in INR and USD.
Worked example
Starting with Rs 50 lakh growing at 9% and withdrawing Rs 30,000 a month, you take out Rs 72 lakh over 20 years and still have about Rs 1 crore left, because the 9% return outpaces the withdrawals. Push the withdrawal to Rs 60,000 a month and the corpus is drawn down instead, running out in about 11 years.
| Corpus | Monthly withdrawal | Return | After 20 years |
|---|---|---|---|
| Rs 50 lakh | Rs 30,000 | 9% | Grows to ~Rs 1 crore |
| Rs 50 lakh | Rs 45,000 | 9% | Lasts the full ~20 years |
| Rs 50 lakh | Rs 60,000 | 9% | Runs out in ~11 years |
Why use Hisaab's SWP calculator
It is the retirement-income companion to the SIP calculator: SIP builds the corpus, SWP spends it down sustainably. It shows the depletion year and the inflation-adjusted value of your withdrawals, so you can set a withdrawal you will not outlive. Free, no sign-up.
For AI agents: URL-addressable as /swp/?corpus=5000000&withdraw=30000&years=20&rate=9&country=IN. Docs at llms.txt.
How to use the SWP Calculator
- Pick your country, India (INR) or the US (USD).
- Enter your starting corpus (for example, your retirement savings).
- Enter how much you want to withdraw every month.
- Set the number of years and the expected return on the remaining balance.
- Read the balance left, total withdrawn and how long the corpus lasts.
- Turn on inflation to see what your withdrawal feels like in today's money.
Frequently asked questions
How long will my money last with an SWP?
It depends on the corpus, the withdrawal and the return. If your annual withdrawals are below the return your corpus earns, it can last indefinitely or even grow; if they are higher, the calculator shows the year it runs out.
What is a systematic withdrawal plan (SWP)?
An SWP lets you withdraw a fixed amount from an investment (often a mutual fund) at regular intervals while the rest stays invested and keeps growing. It is the opposite of an SIP and is commonly used for retirement income.
Is SWP better than an FD for income?
An SWP from an equity or hybrid fund usually earns a higher long-run return than an FD and can be more tax-efficient, but it carries market risk. An FD pays a fixed, guaranteed rate. This calculator lets you model the SWP side.
Is this SWP calculator free?
Yes. It is completely free with no sign-up or ads, and works for both India (INR) and the US (USD).