SWP Calculator
Project how long a lumpsum lasts under a fixed — or annually step-up — monthly withdrawal plan.
Withdrawal type
Total investment
₹20.00L
Total withdrawal
₹36.00L
Final value
₹10.18L
- Total withdrawal
- Final value
| Year | Withdrawal (this year) | Growth (this year) | Balance (year-end) |
|---|---|---|---|
| Year 1 | ₹1.80L | ₹1.59L | ₹19.79L |
| Year 2 | ₹1.80L | ₹1.58L | ₹19.57L |
| Year 3 | ₹1.80L | ₹1.56L | ₹19.32L |
| Year 4 | ₹1.80L | ₹1.54L | ₹19.06L |
| Year 5 | ₹1.80L | ₹1.51L | ₹18.78L |
| Year 6 | ₹1.80L | ₹1.49L | ₹18.47L |
| Year 7 | ₹1.80L | ₹1.47L | ₹18.13L |
| Year 8 | ₹1.80L | ₹1.44L | ₹17.77L |
| Year 9 | ₹1.80L | ₹1.41L | ₹17.38L |
| Year 10 | ₹1.80L | ₹1.37L | ₹16.95L |
| Year 11 | ₹1.80L | ₹1.34L | ₹16.49L |
| Year 12 | ₹1.80L | ₹1.30L | ₹15.99L |
| Year 13 | ₹1.80L | ₹1.26L | ₹15.45L |
| Year 14 | ₹1.80L | ₹1.21L | ₹14.87L |
| Year 15 | ₹1.80L | ₹1.17L | ₹14.23L |
| Year 16 | ₹1.80L | ₹1.11L | ₹13.55L |
| Year 17 | ₹1.80L | ₹1.06L | ₹12.80L |
| Year 18 | ₹1.80L | ₹99,519 | ₹12.00L |
| Year 19 | ₹1.80L | ₹92,839 | ₹11.13L |
| Year 20 | ₹1.80L | ₹85,604 | ₹10.18L |
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Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan withdraws a chosen amount from an investment at regular intervals, usually monthly.
How does the step-up SWP work?
The monthly withdrawal increases once every year by the percentage you enter.
What does final value mean?
It is the modeled balance remaining at the end of the withdrawal period, unless the corpus is depleted earlier.
What happens if the corpus runs out early?
The calculator stops the simulation and reports the month in which the corpus was depleted.
Are SWP returns guaranteed?
No. The projection uses a constant assumed return and does not guarantee actual investment performance.