What is a SWP calculator?

A SWP calculator estimates how long an investment corpus may last when you withdraw a fixed amount regularly while the remaining balance continues to earn returns.

Who should use a SWP calculator?

It is especially useful for retirees, investors planning passive income, and anyone trying to structure monthly withdrawals from a long-term investment portfolio.

Can the corpus still grow during withdrawals?

Yes, if the investment return is strong enough and the withdrawal amount is moderate. In some cases the balance can still grow or at least deplete much more slowly.

Why should I test multiple return assumptions?

Because actual market returns vary over time. Scenario testing helps you understand whether your withdrawal plan remains sustainable under both optimistic and conservative conditions.

Does inflation matter when using SWP?

Yes. Inflation affects real purchasing power. Even if the corpus lasts on paper, the income may buy less over time, so inflation should be part of retirement planning.

Can I use SWP and SIP together in planning?

Yes. Many investors use SIP calculators during the accumulation phase and SWP calculators during the withdrawal phase to build a complete long-term planning model.

SWP Calculator Results - Swp Calculator Monthly

Warning: Your principal gets fully depleted in month 54 before the tenure completes. The withdrawal amount exceeds the returns.

Total Investment

₹52,43,000.00

Total Withdrawn

₹54,40,852.55

Final Balance

₹0.00

Wealth Gained

₹1,97,852.55

Breakdown

Expand

Growth Over Time

Expand

Detailed Schedule

Year	Withdrawn/Year	Total Withdrawn	Portfolio Value
1	₹12,26,400.00	₹12,26,400.00	₹40,94,449.45
2	₹12,26,400.00	₹24,52,800.00	₹29,26,803.83
3	₹12,26,400.00	₹36,79,200.00	₹17,39,745.69
4	₹12,26,400.00	₹49,05,600.00	₹5,32,952.29
5	₹5,35,252.55	₹54,40,852.55	₹0.00

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