See how long a corpus lasts with a monthly withdrawal.
Please do not make financial decisions based on these results.
What is the SWP Calculator — Systematic Withdrawal Plan?
See how long a corpus lasts with a monthly withdrawal. To use the SWP Calculator — Systematic Withdrawal Plan, enter corpus, monthly withdrawal, expected return, years to simulate; it returns balance after the period, months the corpus lasts, and shows them instantly as you type.
Using India and Pakistan finance tools
For borrowing, the EMI calculator gives the monthly payment and total interest for any loan, and the Home Loan EMI Calculator adds the down payment. For investing, compare SIP with lump sum and check retirement income with the NPS calculator.
Tax tools differ by country. Use the India calculator to compare the new and old regimes, the Pakistan calculator for salaried slabs, and the zakat calculator to work out the 2.5% due above the nisab.
- Savings schemes. PPF, EPF, Sukanya Samriddhi, RD and the Post Office MIS use editable interest rates.
- Pension. Atal Pension Yojana and NPS show contributions and expected income.
How to use the SWP Calculator — Systematic Withdrawal Plan
- Enter your numbers. Start with Corpus (₹), Monthly withdrawal (₹), Expected return (% per year), then fill in Years to simulate. Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Balance after the period, and the cards below show Months the corpus lasts. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the SWP Calculator — Systematic Withdrawal Plan using the default values shown in the calculator above:
Inputs
| Corpus (₹) | 5,000,000 |
|---|---|
| Monthly withdrawal (₹) | 30,000 |
| Expected return (% per year) | 8 |
| Years to simulate | 20 |
Results
| Balance after the period | ₹69,63,401 |
|---|---|
| Months the corpus lasts | 1,200 |
With these inputs the calculator returns Balance after the period: ₹69,63,401. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Corpus (₹) from 5,000,000 to 6,000,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Balance after the period | ₹69,63,401 | ₹1,18,90,204 | +70.8% |
| Months the corpus lasts | 1,200 | 1,200 | 0% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the SWP Calculator — Systematic Withdrawal Plan reports Balance after the period and months the corpus lasts. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
What is a safe withdrawal?
If withdrawals are below the monthly return, the corpus can last indefinitely.
Which tax year do the India and Pakistan tools use?
India uses the FY 2026-27 slabs. Pakistan uses the FY 2026-27 slabs enacted by the Finance Act 2026, with FY 2025-26 available for comparison. Confirm the final rules with FBR or the Income Tax Department.
Why are results in rupees?
Indian tools show Indian rupees and Pakistani tools show Pakistani rupees, so the numbers match your statements.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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- Atal Pension Yojana Calculator
- Home Loan EMI Calculator
- Car Loan EMI Calculator
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- Personal Loan EMI Calculator
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