SWP Calculator
See how long a lump sum corpus lasts under a Systematic Withdrawal Plan (SWP) — a fixed monthly withdrawal while the remaining balance keeps growing.
Corpus Lasts
18y 9m
- Total withdrawn
- ₹18,00,000
Assumptions
- Uses a constant annual return — does not model market volatility
- Capped at a 100-year simulation horizon
How it's calculated
Each month, the balance grows at the monthly rate, then the fixed withdrawal is subtracted, until the balance reaches zero.
Worked example
A ₹1,000,000 corpus with an ₹8,000 monthly withdrawal at 7% annual return lasts a number of years shown live above.
Frequently asked questions
What if my withdrawal is lower than the growth?
If monthly growth covers the withdrawal, the corpus never depletes — the calculator shows this as lasting indefinitely.