Free Tool

SWP Calculator

Plan your retirement income. Enter your corpus and monthly withdrawal amount to see how long your money lasts — and find the sustainable withdrawal rate.

Systematic Withdrawal Plan

Your retirement / lump sum corpus
Your first-year monthly withdrawal need
Withdrawal grows each year to match inflation
Expected annual return during withdrawal

SWP Projection

Total Withdrawn
Remaining Corpus
Corpus Lasts
Withdrawal at End of Period

Corpus balance year by year

Remaining corpus

Design a withdrawal plan that lasts as long as you do

The biggest risk in retirement is outliving your money. A proper SWP strategy balances income needs, inflation, and portfolio longevity.

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Disclaimer: This calculator provides estimates for informational purposes only. SWP projections assume a constant monthly return. Actual portfolio returns vary, and sequence-of-returns risk can significantly affect outcomes in early retirement years. Investments are subject to market risk. Past performance is not indicative of future returns. No guarantee or assurance of returns is implied. This is not personalised investment advice. Please consult a SEBI Registered Investment Adviser (Registration No. INA000012345) before investing.

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