SWP calculator
Find out how long a corpus lasts if you take a fixed amount from it every month.
Left after 20 years
₹68,45,597
- Total withdrawn
- ₹72,00,000
- Withdrawn a year
- 7.2% of corpus
- Income the corpus earns a month
- ₹33,333
Year by year
| Year | Withdrawn | Returns earned | Corpus left |
|---|---|---|---|
| 1 | ₹3,60,000 | ₹3,99,010 | ₹50,39,010 |
| 2 | ₹3,60,000 | ₹4,02,248 | ₹50,81,257 |
| 3 | ₹3,60,000 | ₹4,05,754 | ₹51,27,011 |
| 4 | ₹3,60,000 | ₹4,09,552 | ₹51,76,563 |
| 5 | ₹3,60,000 | ₹4,13,664 | ₹52,30,227 |
| 6 | ₹3,60,000 | ₹4,18,119 | ₹52,88,346 |
| 7 | ₹3,60,000 | ₹4,22,942 | ₹53,51,288 |
| 8 | ₹3,60,000 | ₹4,28,167 | ₹54,19,455 |
| 9 | ₹3,60,000 | ₹4,33,824 | ₹54,93,279 |
| 10 | ₹3,60,000 | ₹4,39,952 | ₹55,73,231 |
| 11 | ₹3,60,000 | ₹4,46,588 | ₹56,59,819 |
| 12 | ₹3,60,000 | ₹4,53,774 | ₹57,53,593 |
| 13 | ₹3,60,000 | ₹4,61,558 | ₹58,55,151 |
| 14 | ₹3,60,000 | ₹4,69,987 | ₹59,65,137 |
| 15 | ₹3,60,000 | ₹4,79,116 | ₹60,84,253 |
| 16 | ₹3,60,000 | ₹4,89,002 | ₹62,13,255 |
| 17 | ₹3,60,000 | ₹4,99,709 | ₹63,52,965 |
| 18 | ₹3,60,000 | ₹5,11,305 | ₹65,04,270 |
| 19 | ₹3,60,000 | ₹5,23,863 | ₹66,68,133 |
| 20 | ₹3,60,000 | ₹5,37,464 | ₹68,45,597 |
How it's worked out
Each month the withdrawal comes out first, then what remains earns a month of returns. If the money earned is more than you take, the corpus keeps growing. If not, it shrinks faster every year.
The withdrawal stays flat here. Your costs will rise with inflation, so test a higher withdrawal as well.
The formulaBalance next month = (balance − withdrawal) × (1 + yearly return ÷ 12).
Common questions
What withdrawal rate is sustainable?
It depends on returns, inflation and how long the money has to last. Compare the 'Withdrawn a year' figure with the return you expect: the further it is above that return, the sooner the money runs out.
How are SWP withdrawals taxed?
Each withdrawal is treated as selling units, so only the gain in it is taxed, at the capital gains rate for that kind of fund. This calculator shows amounts before tax.
More investing calculators
All calculatorsIllustrative figures only, from the numbers you enter and the assumptions stated above. Rates and rules change, so check them with the provider or a qualified adviser before acting. Arthscan is not a SEBI-registered research analyst or investment adviser, and nothing here is investment advice.