SWP Calculator — Monthly Withdrawals & Corpus
See how long your corpus funds monthly withdrawals in rupees. Add rising expenses, inspect each payment and compare the order of early returns.
All 240 withdrawals covered
Corpus after 20 years₹62,34,813.64With ₹30,000.00 per month, the model covers the whole 20-year period.
Constant 8% effective annual return; withdrawal at end of month. Withdrawals stay flat.
An illustration, not guaranteed income. All amounts are nominal rupees, before taxes, fees and exit loads. A withdrawal can use your original capital.
Same returns, different order
Early losses can leave less capital invested when withdrawals continue. The comparison changes only the order of the first two annual returns.
Your corpus, month by month
- Opening corpus
- ₹50,00,000.00
- Modeled gain / loss
- ₹32,170.15
- Requested withdrawal
- ₹30,000.00
- Paid withdrawal
- ₹30,000.00
- Closing corpus
- ₹50,02,170.15
- Return assumption
- 8% annual assumption
Full requested payment.
Year-by-year cash-flow table
Paid withdrawals are for that year, not cumulative. Rounded opening corpus + gain / loss − paid = closing corpus.
| Year | Monthly request | Paid that year | Gain / loss | Closing corpus |
|---|---|---|---|---|
| 1 | ₹30,000.00 | ₹3,60,000.00 | ₹3,86,983.41 | ₹50,26,983.41 |
| 2 | ₹30,000.00 | ₹3,60,000.00 | ₹3,89,142.07 | ₹50,56,125.48 |
| 3 | ₹30,000.00 | ₹3,60,000.00 | ₹3,91,473.45 | ₹50,87,598.93 |
| 4 | ₹30,000.00 | ₹3,60,000.00 | ₹3,93,991.32 | ₹51,21,590.25 |
| 5 | ₹30,000.00 | ₹3,60,000.00 | ₹3,96,710.62 | ₹51,58,300.87 |
| 6 | ₹30,000.00 | ₹3,60,000.00 | ₹3,99,647.48 | ₹51,97,948.35 |
| 7 | ₹30,000.00 | ₹3,60,000.00 | ₹4,02,819.27 | ₹52,40,767.62 |
| 8 | ₹30,000.00 | ₹3,60,000.00 | ₹4,06,244.82 | ₹52,87,012.44 |
| 9 | ₹30,000.00 | ₹3,60,000.00 | ₹4,09,944.40 | ₹53,36,956.84 |
| 10 | ₹30,000.00 | ₹3,60,000.00 | ₹4,13,939.95 | ₹53,90,896.79 |
| 11 | ₹30,000.00 | ₹3,60,000.00 | ₹4,18,255.15 | ₹54,49,151.94 |
| 12 | ₹30,000.00 | ₹3,60,000.00 | ₹4,22,915.56 | ₹55,12,067.50 |
| 13 | ₹30,000.00 | ₹3,60,000.00 | ₹4,27,948.81 | ₹55,80,016.31 |
| 14 | ₹30,000.00 | ₹3,60,000.00 | ₹4,33,384.71 | ₹56,53,401.02 |
| 15 | ₹30,000.00 | ₹3,60,000.00 | ₹4,39,255.48 | ₹57,32,656.50 |
| 16 | ₹30,000.00 | ₹3,60,000.00 | ₹4,45,595.93 | ₹58,18,252.43 |
| 17 | ₹30,000.00 | ₹3,60,000.00 | ₹4,52,443.60 | ₹59,10,696.03 |
| 18 | ₹30,000.00 | ₹3,60,000.00 | ₹4,59,839.09 | ₹60,10,535.12 |
| 19 | ₹30,000.00 | ₹3,60,000.00 | ₹4,67,826.21 | ₹61,18,361.33 |
| 20 | ₹30,000.00 | ₹3,60,000.00 | ₹4,76,452.31 | ₹62,34,813.64 |
Try a complete example
What is an SWP?
A Systematic Withdrawal Plan redeems part of an existing investment at regular intervals. It does not turn a market-linked investment into a fixed-interest account. The amount withdrawn may include both gains and your original capital. This tool models monthly cash flow from an existing corpus; use our compound interest calculator for building savings, or the retirement planner for an age-based savings and spending plan.
How the SWP calculation works
We convert an effective annual return R to a monthly factor: g = (1 + R/100)1/12. At the end of each month, available corpus = opening corpus × g, paid withdrawal = the smaller of the request and available corpus, and closing corpus = available corpus − paid withdrawal. With beginning-of-month timing, we pay first, then apply g to the remaining corpus.
A withdrawal increase i sets the request in year y to W × (1 + i/100)y−1, rounded to the nearest paise. The first 12 requests remain W. For example, ₹30,000 with a 6% yearly increase becomes ₹31,800 in month 13. Balances retain precision between months; display amounts use two decimals. Displayed gain / loss reconciles the rounded cash-flow values. A nonzero shortfall below one paise can be hidden by display rounding.
Annual return ÷ 12 is a different convention: 8% ÷ 12 compounded monthly exceeds an 8% effective annual return. That is one reason SWP calculators can disagree. These calculations smooth each annual return into equal monthly growth; real NAV changes and redemption dates differ. The optional two-year comparison illustrates return order, not all possible future paths.
Is a monthly SWP amount safe or guaranteed?
No. A constant-return example cannot establish a safe withdrawal rate. Losses early in the withdrawal period, rising expenses, tax, fees and unexpected spending can change the outcome. If the model covers every requested payment, that describes only the selected period and assumptions, not an indefinite income promise.
Does inflation reduce the displayed corpus?
The displayed corpus is in future nominal rupees. The optional annual withdrawal increase raises the amount taken out to match your own expense-growth assumption; it does not also deflate the balance into today’s money. Tax, fees and exit loads are excluded from both paid amounts and remaining corpus.
Method and context checked 30 September 2026: HDFC Mutual Fund on periodic SWP cash flow; Vanguard on investment sequencing and inflation risks. Example returns and expense increases are editable assumptions, not official rates or product recommendations.
