Retirement calculator
SWP Calculator
A Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from your investment, while the remaining balance stays invested.
Your details
Total withdrawals
₹72,00,000
Initial corpus
₹50,00,000
Estimated remaining corpus
₹69,63,401
At these assumptions the corpus lasts the full withdrawal period.
Projected balance
Year-wise breakdown
| Year | Total withdrawn till date | Balance at year end |
|---|---|---|
| Yr 1 | ₹3,60,000 | ₹50,41,500 |
| Yr 2 | ₹7,20,000 | ₹50,86,444 |
| Yr 3 | ₹10,80,000 | ₹51,35,119 |
| Yr 4 | ₹14,40,000 | ₹51,87,833 |
| Yr 5 | ₹18,00,000 | ₹52,44,923 |
| Yr 6 | ₹21,60,000 | ₹53,06,751 |
| Yr 7 | ₹25,20,000 | ₹53,73,711 |
| Yr 8 | ₹28,80,000 | ₹54,46,229 |
| Yr 9 | ₹32,40,000 | ₹55,24,765 |
| Yr 10 | ₹36,00,000 | ₹56,09,820 |
| Yr 11 | ₹39,60,000 | ₹57,01,935 |
| Yr 12 | ₹43,20,000 | ₹58,01,695 |
Formula used
- Each month: Balance = Balance × (1 + i) − Withdrawal
- i = annual return ÷ 12
Assumptions
- Withdrawals are assumed at the end of each month.
- Taxes on capital gains and exit loads are not considered.
- If the balance runs out, the calculator shows when.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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