SWP Calculator
Model a Systematic Withdrawal Plan from an existing corpus: see how long your money lasts, your total withdrawals, the inflation-adjusted value of your income, and the probability your portfolio survives the full term.
Guide
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your investment corpus at regular intervals — typically every month — while the remaining balance stays invested and keeps earning returns. It is the mirror image of a SIP: instead of paying in, you draw out.
SWPs are widely used in retirement to convert an accumulated corpus into a steady, salary-like income. Because only the withdrawn amount leaves the portfolio, the rest continues to compound — and with an annual step-up you can let your income rise to offset inflation.
Why it works
Draw a fixed amount each month from your corpus, turning a lump sum into a predictable, recurring income.
Only the amount you withdraw leaves the corpus; the rest stays invested and continues to earn returns.
Raise, lower, pause or step up your withdrawals over time as your needs and circumstances change.
Increase your withdrawal each year so your income keeps pace with rising living costs.
See the year-by-year balance and a clear flag for the year the corpus would be exhausted, if any.
Withdrawing only what you need each month can be more efficient than redeeming a large amount at once, depending on local rules.
Illustration
A ₹1 crore corpus drawing ₹50,000 a month at an assumed 8% return — the default scenario above. Figures are illustrative, not guaranteed.
| Year | Annual Withdrawal | Corpus Remaining | Total Withdrawn |
|---|---|---|---|
| 5 | ₹6,00,000 | ₹1,10,22,582 | ₹30,00,000 |
| 10 | ₹6,00,000 | ₹1,25,25,090 | ₹60,00,000 |
| 15 | ₹6,00,000 | ₹1,47,32,768 | ₹90,00,000 |
| 25 | ₹6,00,000 | ₹2,27,42,780 | ₹1,50,00,000 |
The difference
Explore
Jump to any of the ArthVeda wealth calculators — each powered by the same projection engine.
Knowledge
Common questions about systematic withdrawals, sustainable income, inflation, and how long a corpus lasts.
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your investment corpus at regular intervals — usually every month — while the remaining balance stays invested and continues to earn returns. It is a popular way to convert a lump-sum corpus into a steady, predictable income.
You enter your starting corpus, the monthly withdrawal, an expected post-withdrawal return and the horizon. The engine withdraws your income at the start of each month, grows the remaining balance at the assumed rate, and projects the corpus and cumulative withdrawals year by year — flagging the year the corpus would be exhausted, if any.
A SIP puts money in — you invest a fixed amount each month to build a corpus. An SWP takes money out — you withdraw a fixed amount each month from an existing corpus. SIPs are for the accumulation years; SWPs are typically used in retirement to draw an income.
It depends on the size of the corpus, the monthly withdrawal, the return your investments earn and inflation. If withdrawals exceed what the corpus can sustain, it depletes; if returns outpace withdrawals, it can even grow. The projection shows the year-by-year balance and marks any depletion year.
Yes — that is its most common use. By drawing a fixed monthly amount from your corpus, an SWP creates a salary-like income in retirement while the untouched balance keeps compounding. You can also apply an annual step-up to your withdrawals to help offset rising living costs.
A sustainable withdrawal is one your corpus can support for the whole horizon without running out. It rises with a larger corpus or higher returns and falls with a longer horizon or higher inflation. Adjust the monthly withdrawal until the projected corpus comfortably lasts your planning period.
A fixed withdrawal loses purchasing power over time as prices rise. With inflation adjustment enabled, the calculator shows the real (present-day) value of both your corpus and your withdrawals, and you can apply a withdrawal step-up so your income grows alongside inflation.
Retirees often hold a more conservative portfolio, so a lower return than during accumulation is common. There is no single correct figure — model a cautious and an optimistic rate and compare how each affects how long the corpus lasts.
Yes. The withdrawal step-up increases your monthly income every year, either by a percentage or a fixed amount. This helps your income keep pace with inflation, though a higher step-up also draws down the corpus faster, so check that it remains sustainable.
No. The projections are deterministic illustrations based on the constant assumptions you enter and monthly compounding. Real returns and inflation vary year to year, so treat the output as a planning baseline, and consult a qualified financial professional before relying on it for retirement income.