SWP calculator
Wait before withdrawals: 0 years · Annual withdrawal increase: 0 %
Withdrawal timing and increases · Edit
Withdrawal amount is per month. Changing frequency keeps that payment amount unchanged. Interest is calculated monthly; the balance chart and schedule are grouped by month. A fractional final period indicates early depletion.
Assumptions
The corpus grows monthly during the waiting period. Thereafter growth is credited before each period-end withdrawal. The withdrawal amount is per payment, not a monthly equivalent. Payments stop when the corpus is exhausted; taxes and fees are excluded. Withdrawals increase after each completed withdrawal year by your selected annual increase. The first year's payment is the entered amount. Investment returns are effective annual returns; monthly growth uses (1 + annual return)^(1/12) − 1.
Estimates are not personalised financial advice. Review assumptions before use.
Remaining corpus
Based on your inputs. Not guaranteed. Exact amount: ₹3,57,682.
Your withdrawal runway
The payment is per selected frequency. The timeline stops at depletion; it does not promise lifetime income.The payment is per selected frequency. The timeline stops at depletion; it does not promise lifetime income.
View detailed breakdown
Compare money taken out with growth earned during each year. The balance chart shows whether the corpus is being depleted.
Will the corpus last?
Read the balance alongside annual withdrawals. A positive closing balance applies only to the entered period; zero indicates depletion within the model.
Detailed results
| Result | Value |
|---|---|
| Remaining corpus | ₹3.58 lakh |
| Corpus when withdrawals start | ₹10 lakh |
| Total withdrawn | ₹12 lakh |
| Months modelled | 120 months |
Schedule
| Month | Opening balance | Withdrawn | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹10 lakh | ₹10,000 | ₹6,434 | ₹9.96 lakh |
| 2 | ₹9.96 lakh | ₹10,000 | ₹6,411 | ₹9.93 lakh |
| 3 | ₹9.93 lakh | ₹10,000 | ₹6,388 | ₹9.89 lakh |
| 4 | ₹9.89 lakh | ₹10,000 | ₹6,365 | ₹9.86 lakh |
| 5 | ₹9.86 lakh | ₹10,000 | ₹6,341 | ₹9.82 lakh |
| 6 | ₹9.82 lakh | ₹10,000 | ₹6,318 | ₹9.78 lakh |
| 7 | ₹9.78 lakh | ₹10,000 | ₹6,294 | ₹9.75 lakh |
| 8 | ₹9.75 lakh | ₹10,000 | ₹6,270 | ₹9.71 lakh |
| 9 | ₹9.71 lakh | ₹10,000 | ₹6,246 | ₹9.67 lakh |
| 10 | ₹9.67 lakh | ₹10,000 | ₹6,222 | ₹9.63 lakh |
| 11 | ₹9.63 lakh | ₹10,000 | ₹6,198 | ₹9.59 lakh |
| 12 | ₹9.59 lakh | ₹10,000 | ₹6,173 | ₹9.56 lakh |
| 13 | ₹9.56 lakh | ₹10,000 | ₹6,149 | ₹9.52 lakh |
| 14 | ₹9.52 lakh | ₹10,000 | ₹6,124 | ₹9.48 lakh |
| 15 | ₹9.48 lakh | ₹10,000 | ₹6,099 | ₹9.44 lakh |
| 16 | ₹9.44 lakh | ₹10,000 | ₹6,074 | ₹9.4 lakh |
| 17 | ₹9.4 lakh | ₹10,000 | ₹6,049 | ₹9.36 lakh |
| 18 | ₹9.36 lakh | ₹10,000 | ₹6,023 | ₹9.32 lakh |
| 19 | ₹9.32 lakh | ₹10,000 | ₹5,998 | ₹9.28 lakh |
| 20 | ₹9.28 lakh | ₹10,000 | ₹5,972 | ₹9.24 lakh |
| 21 | ₹9.24 lakh | ₹10,000 | ₹5,946 | ₹9.2 lakh |
| 22 | ₹9.2 lakh | ₹10,000 | ₹5,920 | ₹9.16 lakh |
| 23 | ₹9.16 lakh | ₹10,000 | ₹5,894 | ₹9.12 lakh |
| 24 | ₹9.12 lakh | ₹10,000 | ₹5,867 | ₹9.08 lakh |
| 25 | ₹9.08 lakh | ₹10,000 | ₹5,841 | ₹9.04 lakh |
| 26 | ₹9.04 lakh | ₹10,000 | ₹5,814 | ₹8.99 lakh |
| 27 | ₹8.99 lakh | ₹10,000 | ₹5,787 | ₹8.95 lakh |
| 28 | ₹8.95 lakh | ₹10,000 | ₹5,760 | ₹8.91 lakh |
| 29 | ₹8.91 lakh | ₹10,000 | ₹5,733 | ₹8.87 lakh |
| 30 | ₹8.87 lakh | ₹10,000 | ₹5,705 | ₹8.82 lakh |
| 31 | ₹8.82 lakh | ₹10,000 | ₹5,677 | ₹8.78 lakh |
| 32 | ₹8.78 lakh | ₹10,000 | ₹5,650 | ₹8.74 lakh |
| 33 | ₹8.74 lakh | ₹10,000 | ₹5,622 | ₹8.69 lakh |
| 34 | ₹8.69 lakh | ₹10,000 | ₹5,594 | ₹8.65 lakh |
| 35 | ₹8.65 lakh | ₹10,000 | ₹5,565 | ₹8.61 lakh |
| 36 | ₹8.61 lakh | ₹10,000 | ₹5,537 | ₹8.56 lakh |
| 37 | ₹8.56 lakh | ₹10,000 | ₹5,508 | ₹8.52 lakh |
| 38 | ₹8.52 lakh | ₹10,000 | ₹5,479 | ₹8.47 lakh |
| 39 | ₹8.47 lakh | ₹10,000 | ₹5,450 | ₹8.42 lakh |
| 40 | ₹8.42 lakh | ₹10,000 | ₹5,421 | ₹8.38 lakh |
| 41 | ₹8.38 lakh | ₹10,000 | ₹5,391 | ₹8.33 lakh |
| 42 | ₹8.33 lakh | ₹10,000 | ₹5,362 | ₹8.29 lakh |
| 43 | ₹8.29 lakh | ₹10,000 | ₹5,332 | ₹8.24 lakh |
| 44 | ₹8.24 lakh | ₹10,000 | ₹5,302 | ₹8.19 lakh |
| 45 | ₹8.19 lakh | ₹10,000 | ₹5,271 | ₹8.15 lakh |
| 46 | ₹8.15 lakh | ₹10,000 | ₹5,241 | ₹8.1 lakh |
| 47 | ₹8.1 lakh | ₹10,000 | ₹5,210 | ₹8.05 lakh |
| 48 | ₹8.05 lakh | ₹10,000 | ₹5,180 | ₹8 lakh |
| 49 | ₹8 lakh | ₹10,000 | ₹5,149 | ₹7.95 lakh |
| 50 | ₹7.95 lakh | ₹10,000 | ₹5,117 | ₹7.9 lakh |
| 51 | ₹7.9 lakh | ₹10,000 | ₹5,086 | ₹7.86 lakh |
| 52 | ₹7.86 lakh | ₹10,000 | ₹5,054 | ₹7.81 lakh |
| 53 | ₹7.81 lakh | ₹10,000 | ₹5,022 | ₹7.76 lakh |
| 54 | ₹7.76 lakh | ₹10,000 | ₹4,990 | ₹7.71 lakh |
| 55 | ₹7.71 lakh | ₹10,000 | ₹4,958 | ₹7.66 lakh |
| 56 | ₹7.66 lakh | ₹10,000 | ₹4,926 | ₹7.61 lakh |
| 57 | ₹7.61 lakh | ₹10,000 | ₹4,893 | ₹7.55 lakh |
| 58 | ₹7.55 lakh | ₹10,000 | ₹4,860 | ₹7.5 lakh |
| 59 | ₹7.5 lakh | ₹10,000 | ₹4,827 | ₹7.45 lakh |
| 60 | ₹7.45 lakh | ₹10,000 | ₹4,794 | ₹7.4 lakh |
| 61 | ₹7.4 lakh | ₹10,000 | ₹4,760 | ₹7.35 lakh |
| 62 | ₹7.35 lakh | ₹10,000 | ₹4,727 | ₹7.29 lakh |
| 63 | ₹7.29 lakh | ₹10,000 | ₹4,693 | ₹7.24 lakh |
| 64 | ₹7.24 lakh | ₹10,000 | ₹4,659 | ₹7.19 lakh |
| 65 | ₹7.19 lakh | ₹10,000 | ₹4,624 | ₹7.13 lakh |
| 66 | ₹7.13 lakh | ₹10,000 | ₹4,590 | ₹7.08 lakh |
| 67 | ₹7.08 lakh | ₹10,000 | ₹4,555 | ₹7.02 lakh |
| 68 | ₹7.02 lakh | ₹10,000 | ₹4,520 | ₹6.97 lakh |
| 69 | ₹6.97 lakh | ₹10,000 | ₹4,485 | ₹6.91 lakh |
| 70 | ₹6.91 lakh | ₹10,000 | ₹4,449 | ₹6.86 lakh |
| 71 | ₹6.86 lakh | ₹10,000 | ₹4,413 | ₹6.8 lakh |
| 72 | ₹6.8 lakh | ₹10,000 | ₹4,377 | ₹6.75 lakh |
| 73 | ₹6.75 lakh | ₹10,000 | ₹4,341 | ₹6.69 lakh |
| 74 | ₹6.69 lakh | ₹10,000 | ₹4,305 | ₹6.63 lakh |
| 75 | ₹6.63 lakh | ₹10,000 | ₹4,268 | ₹6.58 lakh |
| 76 | ₹6.58 lakh | ₹10,000 | ₹4,231 | ₹6.52 lakh |
| 77 | ₹6.52 lakh | ₹10,000 | ₹4,194 | ₹6.46 lakh |
| 78 | ₹6.46 lakh | ₹10,000 | ₹4,157 | ₹6.4 lakh |
| 79 | ₹6.4 lakh | ₹10,000 | ₹4,119 | ₹6.34 lakh |
| 80 | ₹6.34 lakh | ₹10,000 | ₹4,081 | ₹6.28 lakh |
| 81 | ₹6.28 lakh | ₹10,000 | ₹4,043 | ₹6.22 lakh |
| 82 | ₹6.22 lakh | ₹10,000 | ₹4,005 | ₹6.16 lakh |
| 83 | ₹6.16 lakh | ₹10,000 | ₹3,966 | ₹6.1 lakh |
| 84 | ₹6.1 lakh | ₹10,000 | ₹3,928 | ₹6.04 lakh |
| 85 | ₹6.04 lakh | ₹10,000 | ₹3,889 | ₹5.98 lakh |
| 86 | ₹5.98 lakh | ₹10,000 | ₹3,849 | ₹5.92 lakh |
| 87 | ₹5.92 lakh | ₹10,000 | ₹3,810 | ₹5.86 lakh |
| 88 | ₹5.86 lakh | ₹10,000 | ₹3,770 | ₹5.8 lakh |
| 89 | ₹5.8 lakh | ₹10,000 | ₹3,730 | ₹5.73 lakh |
| 90 | ₹5.73 lakh | ₹10,000 | ₹3,689 | ₹5.67 lakh |
| 91 | ₹5.67 lakh | ₹10,000 | ₹3,649 | ₹5.61 lakh |
| 92 | ₹5.61 lakh | ₹10,000 | ₹3,608 | ₹5.54 lakh |
| 93 | ₹5.54 lakh | ₹10,000 | ₹3,567 | ₹5.48 lakh |
| 94 | ₹5.48 lakh | ₹10,000 | ₹3,525 | ₹5.41 lakh |
| 95 | ₹5.41 lakh | ₹10,000 | ₹3,484 | ₹5.35 lakh |
| 96 | ₹5.35 lakh | ₹10,000 | ₹3,442 | ₹5.28 lakh |
| 97 | ₹5.28 lakh | ₹10,000 | ₹3,400 | ₹5.22 lakh |
| 98 | ₹5.22 lakh | ₹10,000 | ₹3,357 | ₹5.15 lakh |
| 99 | ₹5.15 lakh | ₹10,000 | ₹3,314 | ₹5.08 lakh |
| 100 | ₹5.08 lakh | ₹10,000 | ₹3,271 | ₹5.02 lakh |
| 101 | ₹5.02 lakh | ₹10,000 | ₹3,228 | ₹4.95 lakh |
| 102 | ₹4.95 lakh | ₹10,000 | ₹3,185 | ₹4.88 lakh |
| 103 | ₹4.88 lakh | ₹10,000 | ₹3,141 | ₹4.81 lakh |
| 104 | ₹4.81 lakh | ₹10,000 | ₹3,097 | ₹4.74 lakh |
| 105 | ₹4.74 lakh | ₹10,000 | ₹3,052 | ₹4.67 lakh |
| 106 | ₹4.67 lakh | ₹10,000 | ₹3,007 | ₹4.6 lakh |
| 107 | ₹4.6 lakh | ₹10,000 | ₹2,962 | ₹4.53 lakh |
| 108 | ₹4.53 lakh | ₹10,000 | ₹2,917 | ₹4.46 lakh |
| 109 | ₹4.46 lakh | ₹10,000 | ₹2,872 | ₹4.39 lakh |
| 110 | ₹4.39 lakh | ₹10,000 | ₹2,826 | ₹4.32 lakh |
| 111 | ₹4.32 lakh | ₹10,000 | ₹2,780 | ₹4.25 lakh |
| 112 | ₹4.25 lakh | ₹10,000 | ₹2,733 | ₹4.18 lakh |
| 113 | ₹4.18 lakh | ₹10,000 | ₹2,686 | ₹4.1 lakh |
| 114 | ₹4.1 lakh | ₹10,000 | ₹2,639 | ₹4.03 lakh |
| 115 | ₹4.03 lakh | ₹10,000 | ₹2,592 | ₹3.95 lakh |
| 116 | ₹3.95 lakh | ₹10,000 | ₹2,544 | ₹3.88 lakh |
| 117 | ₹3.88 lakh | ₹10,000 | ₹2,496 | ₹3.8 lakh |
| 118 | ₹3.8 lakh | ₹10,000 | ₹2,448 | ₹3.73 lakh |
| 119 | ₹3.73 lakh | ₹10,000 | ₹2,399 | ₹3.65 lakh |
| 120 | ₹3.65 lakh | ₹10,000 | ₹2,351 | ₹3.58 lakh |