Enter your initial corpus, monthly withdrawal amount, and expected return rate to see how long the balance lasts and what it looks like after N years.
β οΈ This calculator provides an estimate based on India's government/financial schemes using publicly available 2026 rates. Actual amounts may differ due to scheme changes or individual circumstances β please verify with an official source or financial advisor.
A Systematic Withdrawal Plan (SWP) automatically withdraws a fixed amount from a mutual fund or similar investment on a set schedule (typically monthly). It is popular with retirees or anyone needing a regular cash flow without redeeming the entire investment at once, letting the remaining balance stay invested and continue growing. It can be thought of as the reverse of an SIP (Systematic Investment Plan).
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How the Simulation Is Calculated
This calculator simulates the balance month by month: (1) apply the monthly return rate to grow the remaining balance, then (2) subtract that month's withdrawal. If withdrawals exceed returns, the balance gradually shrinks and eventually depletes; if the return rate exceeds the withdrawal rate, the balance can actually grow over time. Actual market returns fluctuate, so this calculator's result is a reference estimate under a fixed-return assumption.
Frequently asked questions
What happens if my monthly withdrawal exceeds expected returns?
If the withdrawal exceeds the monthly gain on the balance, the balance shrinks month by month until it eventually depletes. This calculator shows the exact month at which depletion occurs.
Can the balance grow if returns exceed the withdrawal rate?
Yes β in theory, if the monthly return rate (annual rate Γ· 12) exceeds the monthly withdrawal rate, the balance can grow instead of shrinking. However, actual market returns are never guaranteed.
Does this calculator account for taxes?
No β this is a pre-tax simulation that does not account for capital gains tax or similar levies. Actual net proceeds depend on how your specific investment product is taxed, so consult a tax advisor.