SWP Calculator
SWP Calculator: free, instant and private. A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.
How the SWP Calculator works
The SWP Calculator takes Initial corpus (₹), Monthly withdrawal (₹), Expected return (% p.a.), Withdrawal period (years) and returns the answer instantly — no button to hunt for, no page reload. A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.
Enter your own numbers to replace the example values; the result panel updates as you type. Everything runs in this single page, so nothing you enter leaves your device.
Formula used
each month: balance = balance × (1 + r) − withdrawal, until the period ends or the corpus hits zero
| Symbol | Meaning |
|---|---|
| corpus | the lump sum the withdrawals come out of |
| withdrawal | the fixed monthly amount you take out |
| r | monthly return = annual ÷ 12 |
A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.
Inputs used: Initial corpus (₹), Monthly withdrawal (₹), Expected return (% p.a.), Withdrawal period (years).
Worked example
Take the default example — initial corpus (₹) of 2000000, monthly withdrawal (₹) of 15000, expected return (% p.a.) of 8, withdrawal period (years) of 15:
- Balance at the end: 1,423,270
- Total withdrawn: 2,700,000
- Months the plan lasted: 180
- Corpus survives the full period: true
Frequently asked questions
- What formula does the SWP Calculator use?
- It uses each month: balance = balance × (1 + r) − withdrawal, until the period ends or the corpus hits zero, where corpus is the the lump sum the withdrawals come out of; withdrawal is the the fixed monthly amount you take out; r is the monthly return = annual ÷ 12.
- Is the SWP Calculator free?
- Yes. There is no signup, no usage limit and no watermark — the calculator runs entirely in your browser.
- How do I read the result?
- A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.
- Does the SWP Calculator store or send my data?
- No. Every calculation happens locally in the page, so the numbers you type are never uploaded or logged.
- Does it work on a phone and offline?
- Yes — the page is a single lightweight file that adapts to any screen size. Once it has loaded it keeps working without a network connection.