SWP Calculator - Systematic Withdrawal Plan
Stress-test monthly withdrawals from an invested corpus: see ending balance, total withdrawn, and a visual split-export, share, and pair with retirement planning support.
- Ending balance
- Total withdrawn
Total withdrawn
₹1,01,72,048
Starting corpus
₹50,00,000
Total withdrawn
₹1,01,72,048
Ending balance
₹0.00
Build the corpus with SIP first.
Corpus may deplete by month 255 at this rate-review the withdrawal amount or return assumption with an advisor.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
SWP calculator - systematic withdrawal plan
A systematic withdrawal plan (SWP) withdraws a fixed amount periodically from your corpus while the remainder stays invested. It is often discussed for post-retirement cash flow-pair this illustration with our retirement calculator and SIP calculator for the accumulation phase.
What the donut represents
Over your chosen horizon, we show total withdrawn vs ending balance-a simple way to see whether withdrawals are sustainable under the assumed return (illustrative only).
Frequently asked questions
Is SWP only for retirees?
No. Anyone needing regular cash flows from investments might consider SWP-subject to product suitability and tax considerations.
What if my corpus runs out in the simulation?
It suggests withdrawals or return assumptions may be unsustainable. Review spending, returns, or corpus size with an advisor.
Does SWP affect taxes?
Withdrawals can have capital gains or other tax impacts depending on the holding and fund type-consult a CA.
Ready to act on these numbers?
Share your scenario with Saarthi Capital-we’ll turn it into a goal-mapped portfolio, loan structure, deposit ladder, or tax-aware plan.
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