SWP Calculator
See how long a corpus lasts when you draw a fixed amount every month.
Result
- Corpus lasts
- 22 years 6 months
- The last withdrawal is smaller than the rest — only the remaining balance is left.
- Growth over the period
- ₹17,90,180
- Balance at the end plus everything withdrawn, less the corpus you started with.
| Year | Withdrawn in year | Balance at year end |
|---|---|---|
| 1 | ₹2,40,000 | ₹24,58,500 |
| 2 | ₹2,40,000 | ₹24,13,556 |
| 3 | ₹2,40,000 | ₹23,64,881 |
| 4 | ₹2,40,000 | ₹23,12,167 |
| 5 | ₹2,40,000 | ₹22,55,077 |
| 6 | ₹2,40,000 | ₹21,93,249 |
| 7 | ₹2,40,000 | ₹21,26,289 |
| 8 | ₹2,40,000 | ₹20,53,771 |
| 9 | ₹2,40,000 | ₹19,75,235 |
| 10 | ₹2,40,000 | ₹18,90,180 |
An estimate, not a guarantee. It assumes the return you entered is earned steadily every month; real mutual fund returns vary year to year and can be negative. Nothing here is investment advice.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
A systematic withdrawal plan takes a fixed amount out of an invested corpus every month while the remainder stays invested. This calculator grows the balance by one-twelfth of the assumed annual return each month, then takes the withdrawal, and reports both how long the corpus survives and what is left at the end of the horizon you choose. If the growth covers the withdrawal the corpus never runs out, and the result says so instead of quoting a duration.
Formula
- Each month: balance = balance × (1 + i), then the withdrawal is taken (i = expected return ÷ 12)
- The corpus never depletes while monthly withdrawal ≤ balance × i
- The final withdrawal is capped at whatever balance is left
Frequently asked questions
When is the withdrawal taken?
At the end of each month, after that month’s growth has been added. Withdrawing at the start of the month gives a slightly smaller balance.
What does "never runs out" mean?
That the monthly withdrawal is smaller than the growth the corpus earns in a month at the return you assumed, so the balance stops falling. It holds only while that return actually shows up.
Does this include tax on withdrawals?
No. Capital gains tax on redeemed units is not modelled, so treat the withdrawal figures as pre-tax.