SWP Calculator

Use our free SWP (Systematic Withdrawal Plan) calculator to plan regular withdrawals from your investment corpus during retirement. See how long your money lasts considering withdrawals and remaining investment returns.

Financial

Currency

Initial Corpus (Total Investment)

Monthly Withdrawal Amount

Expected Annual Return (%)

Annual Withdrawal Increase (%)

Formula

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investment at regular intervals. This calculator simulates how long your corpus will last given your withdrawal rate, expected returns, and annual escalation for inflation.

Month-by-month simulation: balance Ã— (1+r) - withdrawal, until balance â‰¤ 0

Percentage: The percentage value you want to apply

Number: The original number or value

Result: The calculated result

How It Works

1Enter your total investment corpus (retirement savings).
2Set your desired monthly withdrawal amount.
3Enter the expected annual return on the remaining corpus.
4Optionally set an annual withdrawal increase to keep pace with inflation.

Examples

$1M corpus, $10,000/mo withdrawal, 8% return with 3% annual increase

1.Year 1: withdraw $10,000/mo, earn 8% on balance
2.Withdrawal increases 3% each year
3.Corpus lasts approximately 12-14 years

Result: 13 yr 5 mo

Frequently Asked Questions

A Systematic Withdrawal Plan allows you to withdraw a fixed amount from your investment portfolio at regular intervals, commonly used for retirement income.

The duration depends on your corpus size, withdrawal amount, expected returns, and whether you increase withdrawals over time (inflation adjustment).

The 4% rule suggests withdrawing 4% of your initial corpus annually (adjusted for inflation). For a $1M corpus, that's $40,000/year or about $3,333/month.

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SWP Retirement Planning

CalculateMe Team

Last updated: 2026-07-15

Frequently Asked Questions

A Systematic Withdrawal Plan allows you to withdraw a fixed amount from your investment portfolio at regular intervals, commonly used for retirement income.

The duration depends on your corpus size, withdrawal amount, expected returns, and whether you increase withdrawals over time (inflation adjustment).

The 4% rule suggests withdrawing 4% of your initial corpus annually (adjusted for inflation). For a $1M corpus, that's $40,000/year or about $3,333/month.

SWP Calculator

Formula

How It Works

Examples

$1M corpus, $10,000/mo withdrawal, 8% return with 3% annual increase

Frequently Asked Questions

What is an SWP?

How long will my corpus last?

What is a safe withdrawal rate?

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SWP Calculator

Formula

How It Works

Examples

$1M corpus, $10,000/mo withdrawal, 8% return with 3% annual increase

Frequently Asked Questions

What is an SWP?

How long will my corpus last?

What is a safe withdrawal rate?

Related Calculators

Related Articles