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SWP Calculator
See how long your corpus lasts with systematic monthly withdrawals.
About this calculator
A Systematic Withdrawal Plan (SWP) lets you draw a fixed monthly income from mutual funds while the rest stays invested. Withdrawals can increase with inflation — this simulator shows how long your corpus will last.
Results are estimates for education only. Product suitability and premiums depend on insurer underwriting and market conditions.
Inputs
Corpus & withdrawals
Assumptions
Understanding SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you draw a regular monthly amount from mutual fund investments while the remaining corpus stays invested. Retirees often use SWPs as a flexible income stream.
How this calculator works
Enter starting corpus, initial monthly withdrawal, expected return, and annual withdrawal increase. The simulator runs month by month until the corpus is depleted or the maximum horizon is reached.
Example
A ₹50 lakh corpus with ₹40,000 monthly withdrawal at 8% return and 6% withdrawal inflation may last a finite number of years — the tool shows approximately how long before the balance runs low.
Practical tips
- Start with a conservative withdrawal rate and review annually.
- Keep 1–2 years of expenses in safer assets for market downturns.
- Coordinate SWP with pension, rental income, and tax planning.
Limitations
Sequence-of-returns risk is real: poor markets early in retirement can shorten corpus life.
Need help applying these numbers to your situation? Request a free consultation with Smart Wealth Hub, or explore our financial services.