Returns
SWP calculator for monthly withdrawals
SWP calculator: see how long monthly withdrawals can last, fixed or rising each year.
- The answer updates as you type
Full withdrawals paid
136 of 180
Month 137 asks for ₹47,457.46. Only ₹29,172.27 can be paid, leaving ₹18,285.19 unpaid.
How we calculate: your yearly return becomes an exact monthly rate, so 8% a year grows by 8% in a year. Each withdrawal is taken at the start of its month. You can change both above.
Money left at the end means this period is covered under these figures. It does not mean the money lasts forever. Before tax and fees.
How much comes out each year, and what is left?
The bars on top are the money saved or paid out each year. The top part of a bar is money asked for but not paid. The line below is what is left.
- Paid out
- Not paid
- Left
The rate is your own guess.
Year 15 · Paid out ₹0.00 · Not paid ₹6,78,271.19 · Left ₹0.00
SWP calculator: year by year
| Year | Withdrawal asked a month | Paid in the year | Not paid in the year | Balance at year end |
|---|---|---|---|---|
| 1 | ₹25,000.00 | ₹3,00,000.00 | ₹0.00 | ₹29,27,152.84 |
| 2 | ₹26,500.00 | ₹3,18,000.00 | ₹0.00 | ₹28,29,707.07 |
| 3 | ₹28,090.00 | ₹3,37,080.00 | ₹0.00 | ₹27,04,568.57 |
| 4 | ₹29,775.40 | ₹3,57,304.80 | ₹0.00 | ₹25,48,328.08 |
| 5 | ₹31,561.92 | ₹3,78,743.09 | ₹0.00 | ₹23,57,231.99 |
| 6 | ₹33,455.64 | ₹4,01,467.67 | ₹0.00 | ₹21,27,150.48 |
| 7 | ₹35,462.98 | ₹4,25,555.73 | ₹0.00 | ₹18,53,542.83 |
| 8 | ₹37,590.76 | ₹4,51,089.08 | ₹0.00 | ₹15,31,419.80 |
| 9 | ₹39,846.20 | ₹4,78,154.42 | ₹0.00 | ₹11,55,302.54 |
| 10 | ₹42,236.97 | ₹5,06,843.69 | ₹0.00 | ₹7,19,178.05 |
| 11 | ₹44,771.19 | ₹5,37,254.31 | ₹0.00 | ₹2,16,450.67 |
| 12 | ₹47,457.46 | ₹2,19,002.13 | ₹3,50,487.44 | ₹0.00 |
| 13 | ₹50,304.91 | ₹0.00 | ₹6,03,658.94 | ₹0.00 |
| 14 | ₹53,323.21 | ₹0.00 | ₹6,39,878.48 | ₹0.00 |
| 15 | ₹56,522.60 | ₹0.00 | ₹6,78,271.19 | ₹0.00 |
Each file lists the source and the check date for every rate. The CSV comes as two files, the figures and their sources.
The files keep your inputs, timing, monthly rate rule and every requested and paid amount.
The link carries only these inputs. Saved inputs stay in this browser only, and are off until you turn them on.
Try one change
Each button changes exactly one input and says what that did to the headline figure. Reset undoes it.
Why early losses matter
₹10 lakh, ₹1 lakh withdrawn at each year end. The same two returns arrive in a different order.
| Order of returns | Balance after 2 years |
|---|---|
| Loss first: −20%, then +25% | ₹7,75,000.00 |
| Gain first: +25%, then −20% | ₹8,20,000.00 |
| No withdrawals, either order | ₹10,00,000.00 |
An annual example with withdrawals at year end and assumed returns.
How it adds up
A worked example
The same sum, worked by hand on the starting figures.
SWP calculator: worked example
₹30,00,000.00, ₹25,000.00 a month, 15 years, a 6% yearly rise and 8% assumed return. Withdrawals start each month, using the exact monthly rate. These are the calculator's starting inputs.
| Step | Working | Result |
|---|---|---|
| Full payments | Monthly ledger | 136 / 180 |
| First short payment | Month 137 | ₹29,172.27 / ₹47,457.46 |
| Not paid that month | Requested minus paid | ₹18,285.19 |
| Total paid | Sum of monthly paid amounts | ₹47,10,494.92 |
| Total requested | Sum of monthly requests | ₹69,82,790.97 |
| Fixed withdrawal balance | Same return, no yearly rise | ₹10,22,045.56 |
These are rupees before tax and fees. Total unpaid withdrawals are ₹22,72,296.05. This is neither a promised income nor a certain depletion date.
Read the result
Understand the result
SWP calculator estimates how long monthly withdrawals can last from your invested money. Enter the starting amount, withdrawal, period and a return you assume. Compare a fixed withdrawal with one that rises each year. Requested and paid amounts stay separate. No return is promised.
A withdrawal is not a return
A payment may return some of your own capital. The yearly rise changes the withdrawal. It does not raise the return.
How timing changes the plan
At the start of a month, the withdrawal is paid before growth. At the end, growth comes first. You can switch the timing above.
One return hides the path
A steady monthly return is a model. Real returns arrive in a different order. The annual example shows why early losses can hurt more.
What could change this?
- The amount you withdraw and its yearly rise. Bigger payments use up money faster.
- The return you assume. A steady return hides the order of gains and losses.
- The period you choose. Money left after this period need not last forever.
Common mistakes
- Treating the withdrawal as income the fund earned. Some may be your own money coming back.
- Reading zero balance as a certain date. It is one scenario.
- Using an average return as if every year earns it. Early losses hurt more.
Questions
Questions people ask
SWP calculator FAQ
What is an SWP calculator used for?
It models regular withdrawals from invested money. Compare the amount paid, the balance left and how long the money might last. An SWP sells units. Each payment may include your own capital.
Is an SWP a guaranteed monthly income plan?
No. It is an instruction to sell units, not a promise of returns. Payments can include your own capital. The balance can rise or fall with markets.
How long will ₹10 lakh last if I withdraw ₹10,000 a month?
With no return, tax or charges, it covers 100 withdrawals. That is 8 years and 4 months. A positive return can extend that period. A loss can shorten it.
Why can an early market fall hurt an SWP so much?
A fall leaves less money invested while withdrawals continue. More units must be sold to raise the same amount. Fewer units remain to recover when prices rise.
Is the entire SWP withdrawal taxable in India?
Selling units returns some of your cost and may create a gain or loss. Tax depends on the fund, holding period and rules. Amounts are before tax.
Can an exit load apply to SWP withdrawals?
Yes, if the scheme charges one on the units sold. There is no single rate for every fund. Read the scheme documents. This page does not deduct exit loads.
Should my monthly SWP amount increase with inflation?
A fixed amount buys less as prices rise. A rising withdrawal may meet higher costs, but uses the money faster. Try both and compare the first short payment.
What does a zero balance mean in an SWP calculator?
The money has run out under these inputs. It is a scenario, not a certain real date. A final full payment can use up the balance. The next payment is then the first one missed.
Keep learning
Where to go from here
How long will money last with an SWP? ₹30 lakh paying ₹25,000 a month, fixed or rising 6% a year, and why a loss in the early years hurts more.
Read the lesson Then thisRetirement calculator for IndiaWork backwards from your spending: the money you need when withdrawals begin, and the saving to get there.
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Method, sources and limits
What this calculator does and does not do
What this calculator does
- Pays monthly withdrawals from your money, month by month.
- Raises the withdrawal once a year if you ask it to.
- Shows the first short payment, what was paid and what was not.
What it does not do
- Predict returns or their order.
- Take off tax, exit loads or fund charges.
- Show a negative balance as if you could borrow.
Show the method and assumptions
The method
- Your yearly return becomes an exact monthly rate: (1 + return)^(1/12) − 1.
- Each month pays the smaller of the request and the money left.
- The withdrawal rises once every 12 payments by the percentage you type.
- By default each withdrawal is taken at the start of its month.
What it assumes
- The return you type stays the same every month. It is not a forecast.
- Tax, exit loads and fund charges are not taken off.
- A balance never goes below zero. Unpaid requests are shown apart.
Sources, effective dates and exclusions
- Calculated on
- today
No published rate or date goes into this sum. Every figure is one you type.
Not included
- Live market prices. Every price here is one you type.
- Exit load and the fund's expense ratio.
- Tax on the gain. Every figure here is before tax.
- A chance of success. A few fixed scenarios cannot give one.
Paper Trading Try it on the practice trading desk