SWP calculator
Plan a regular income from your investments.
Estimated remaining balance
Actual market fluctuations can change how long this income lasts.
For illustration only. Read the assumptions below for the full picture.
Understand your result.
A systematic withdrawal plan takes regular cash from an invested corpus. Explore the remaining balance after a chosen number of years with constant monthly withdrawals and an assumed return.
Look at both the total paid out and the final balance. A projection ending above zero does not guarantee that volatile returns would support the same withdrawals.
A worked example.
Using this calculator’s default inputs, estimated remaining balance is ₹30,00,000. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Investment amount | ₹30,00,000 |
|---|---|
| Monthly withdrawal | ₹20,000 |
| Expected annual return | 8 % |
| Time period | 20 years |
A common mistake to avoid
Ignoring sequence-of-returns risk and taxes on redemptions.
Questions you might have.
Do withdrawals rise with inflation?
Not in this fixed-withdrawal tool. Use How Long Will Money Last for a scenario with annually increasing withdrawals.
When are withdrawals made?
The model applies monthly growth first, then the withdrawal at month-end. Payouts stop when funds run out.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Monthly balance = previous balance × (1 + annual return ÷ 12) − withdrawal. Withdrawals occur at month-end and stop if the balance runs out.
Assumptions & things to know
Constant returns cannot model sequence-of-returns risk. Taxes, exit loads and inflation-linked withdrawals are excluded.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.