Planning
SWP Calculator
Plan a regular withdrawal from an invested corpus and see how long it could last.
Balance at the end
Illustration₹40,36,240
After 20 years of withdrawals, at an assumed 7% a year.
- Total withdrawn
- ₹72,00,000
- Corpus lasts
- 20 years+
In plain words
At ₹30,000 a month the corpus could last the full 20 years and still hold about ₹40.36 L at the end.
Balance and withdrawals over time
- Sustainable withdrawal
- ₹37,908
- Uses up the corpus exactly over 20 years
- Preserving withdrawal
- ₹28,112
- Leaves the corpus intact at the assumed return
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
The annual return you enter is treated as an effective yearly rate, so twelve monthly steps compound to exactly that rate. Some calculators divide the annual rate by 12 instead, which shows slightly higher values.
i = (1 + r)^(1/12) − 1
Each month’s withdrawal is taken at the start of the month — the conservative timing — and the remaining balance earns the assumed return.
balance = (previous balance − withdrawal) × (1 + i)
An optional yearly increase raises the withdrawal every 12 months, for example to keep pace with inflation. If a withdrawal is larger than the balance, the corpus is treated as used up that month.
The sustainable withdrawal uses up the corpus exactly at the end of the period. The preserving withdrawal leaves the corpus intact at the assumed return.
preserving = corpus × i ÷ (1 + i)
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- SWPAn instruction to redeem a fixed amount from a mutual fund at regular intervals, used to draw a steady cash flow from an existing investment.
- AnnuityA contract, usually bought from a life insurer with a lump sum, that pays you a regular income for life or for a set period.
- IDCWA mutual fund option that pays out distributions from time to time; payouts can include part of your own capital, not just income.
- Exit loadA fee some mutual fund schemes charge if you redeem units within a specified period, deducted from the redemption amount.
- Capital gainsThe profit made when you sell or redeem an investment for more than it cost; taxed as short- or long-term depending on how long you held it.
Read next
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.