SWP (Systematic Withdrawal Plan) Calculator
Estimate how long your investments will last with regular withdrawals.
Your investment will last for
an infinite time
Inflation-adjusted projection
Inflation-adjusted first-year need
$6,000.00/yr
Withdrawal rate / Real return / Net
6% / 3.77% / -2%
Note: equity SWP LTCG 12.5% above $1,25,000/yr (Indian rules). Yearly tax below is simplified — 12.5% on the estimated gains portion of that year's withdrawal above the $125,000 exemption. Inflation-adjusted corpus depletes in year 30.
| Year | Withdrawn that year | Est. tax | Balance (nominal) | Balance (today's money) |
|---|---|---|---|---|
| 1 | $6,000.00 | $0.00 | $104,000.00 | $98,113.21 |
| 2 | $6,360.00 | $0.00 | $108,040.00 | $96,155.22 |
| 3 | $6,741.60 | $0.00 | $112,102.40 | $94,123.34 |
| 4 | $7,146.10 | $0.00 | $116,166.54 | $92,014.78 |
| 5 | $7,574.86 | $0.00 | $120,208.34 | $89,826.66 |
| 6 | $8,029.35 | $0.00 | $124,199.82 | $87,555.97 |
| 7 | $8,511.11 | $0.00 | $128,108.68 | $85,199.59 |
| 8 | $9,021.78 | $0.00 | $131,897.77 | $82,754.29 |
| 9 | $9,563.09 | $0.00 | $135,524.46 | $80,216.72 |
| 10 | $10,136.87 | $0.00 | $138,940.03 | $77,583.39 |
| 11 | $10,745.09 | $0.00 | $142,088.95 | $74,850.69 |
| 12 | $11,389.79 | $0.00 | $144,908.05 | $72,014.86 |
| 13 | $12,073.18 | $0.00 | $147,325.68 | $69,072.03 |
| 14 | $12,797.57 | $0.00 | $149,260.68 | $66,018.14 |
| 15 | $13,565.42 | $0.00 | $150,621.32 | $62,849.01 |
| 16 | $14,379.35 | $0.00 | $151,304.10 | $59,560.30 |
| 17 | $15,242.11 | $0.00 | $151,192.40 | $56,147.48 |
| 18 | $16,156.64 | $0.00 | $150,155.01 | $52,605.87 |
| 19 | $17,126.03 | $0.00 | $148,044.47 | $48,930.62 |
| 20 | $18,153.60 | $0.00 | $144,695.32 | $45,116.69 |
| 21 | $19,242.81 | $0.00 | $139,922.04 | $41,158.82 |
| 22 | $20,397.38 | $0.00 | $133,516.87 | $37,051.61 |
| 23 | $21,621.22 | $0.00 | $125,247.33 | $32,789.41 |
| 24 | $22,918.50 | $0.00 | $114,853.56 | $28,366.37 |
| 25 | $24,293.61 | $0.00 | $102,045.31 | $23,776.42 |
| 26 | $25,751.22 | $0.00 | $86,498.62 | $19,013.26 |
| 27 | $27,296.30 | $0.00 | $67,852.18 | $14,070.37 |
| 28 | $28,934.08 | $0.00 | $45,703.32 | $8,940.95 |
| 29 | $30,670.12 | $0.00 | $19,603.54 | $3,617.96 |
| 30 | $21,563.89 | $0.00 | $0.00 | $0.00 |
About this Tool
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investments at regular intervals. This calculator helps you estimate how long your investment corpus will last based on your withdrawal amount and expected returns.
Common Use Cases
Retirement Income Planning
Determine a sustainable monthly withdrawal amount from your retirement fund.
Financial Independence
See how long your investments can support you if you decide to stop working.
Comparing Scenarios
Analyze how different withdrawal amounts or investment returns affect the longevity of your funds.
Pro Tips
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The 4% Rule
A common retirement guideline is to withdraw 4% of your initial portfolio value each year, adjusted for inflation. This calculator can help you test that rule.
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Be Conservative
It's often wise to use a conservative expected rate of return to ensure your funds last, even in down markets.
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Impact of Inflation
This calculator does not account for inflation. In reality, you may need to increase your withdrawals over time to maintain your purchasing power.
FAQs
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