SWP calculator
Withdraw a fixed amount every month from an invested corpus and see how the balance holds up.
Example result
- Starting corpus
- ₹25,00,000
- Total withdrawn
- ₹27,00,000
- Balance at the end
- ₹30,76,730
The corpus runs out in .
Year-by-year
| Year | Withdrawn so far | Balance |
|---|---|---|
| 1 | ₹1,80,000 | ₹25,20,750 |
| 2 | ₹3,60,000 | ₹25,43,222 |
| 3 | ₹5,40,000 | ₹25,67,559 |
| 4 | ₹7,20,000 | ₹25,93,917 |
| 5 | ₹9,00,000 | ₹26,22,461 |
| 6 | ₹10,80,000 | ₹26,53,376 |
| 7 | ₹12,60,000 | ₹26,86,856 |
| 8 | ₹14,40,000 | ₹27,23,114 |
| 9 | ₹16,20,000 | ₹27,62,383 |
| 10 | ₹18,00,000 | ₹28,04,910 |
| 11 | ₹19,80,000 | ₹28,50,967 |
| 12 | ₹21,60,000 | ₹29,00,847 |
| 13 | ₹23,40,000 | ₹29,54,867 |
| 14 | ₹25,20,000 | ₹30,13,371 |
| 15 | ₹27,00,000 | ₹30,76,730 |
How this is calculated
Each month the balance first earns i = annual rate ÷ 12, then the withdrawal is taken (end of month). If the balance cannot cover a full withdrawal, the remainder is paid out and the plan stops.
Balance after n months = C × (1 + i)n − W × [((1 + i)n − 1) ÷ i]
where C is the starting corpus and W the monthly withdrawal. Withdrawing exactly C × i each month keeps the balance flat.
Questions
How do I make a corpus last?
Keep the monthly withdrawal at or below the monthly return on the corpus and the balance will not fall in this model. Real returns vary year to year, so a cushion below that level is safer.
Is SWP income taxed?
Each withdrawal is partly your original investment and partly gains; only the gains portion is taxed as capital gains. This calculator shows amounts before tax.
What happens if the corpus runs out?
FID shows the month in which the balance reaches zero. After that no further withdrawals are possible.
Estimates for educational purposes only. Not financial, tax or investment advice.