SWP Calculator

Calculate how long your investments will last with regular withdrawals.

Parameters

Total Investment

Withdrawal per Month

Expected Return Rate (% p.a.)

Time Period (Years)

Your money will last for

0 years 0 months

Total Withdrawn

Total Interest Earned

Investment Balance Over Time

Projected balance of your investment over 10 years.

Payout Amortization

A breakdown of your SWP.

Year	Opening Balance	Annual Withdrawal	Interest Earned	Closing Balance
1	10,00,000	96,000	69,149	9,73,149
2	9,73,149	96,000	67,208	9,44,358
3	9,44,358	96,000	65,127	9,13,485
4	9,13,485	96,000	62,895	8,80,380
5	8,80,380	96,000	60,502	8,44,882
6	8,44,882	96,000	57,936	8,06,818

Year 1

Opening Balance: 10,00,000

Annual Withdrawal: 96,000

Interest Earned: 69,149

Closing Balance: 9,73,149

Year 2

Opening Balance: 9,73,149

Annual Withdrawal: 96,000

Interest Earned: 67,208

Closing Balance: 9,44,358

Year 3

Opening Balance: 9,44,358

Annual Withdrawal: 96,000

Interest Earned: 65,127

Closing Balance: 9,13,485

Year 4

Opening Balance: 9,13,485

Annual Withdrawal: 96,000

Interest Earned: 62,895

Closing Balance: 8,80,380

Year 5

Opening Balance: 8,80,380

Annual Withdrawal: 96,000

Interest Earned: 60,502

Closing Balance: 8,44,882

Year 6

Opening Balance: 8,44,882

Annual Withdrawal: 96,000

Interest Earned: 57,936

Closing Balance: 8,06,818

About SWP Calculator

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money from your investments at regular intervals. This calculator helps you determine how long your invested corpus will last based on your monthly withdrawal needs and the expected rate of return. It is an invaluable tool for retirees or anyone looking to create a steady cash flow from their investments while managing the longevity of their funds.

n = -log(1 - (P * r) / W) / log(1 + r)

n: Number of Months the Corpus will Last
P: Principal Investment Amount
W: Monthly Withdrawal Amount
r: Monthly Rate of Return