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Made with ❤️ in India
Last updated: 2 May 2026
Home› Tools›SWP Calculator
🧮

SWP Calculator

Plan your post-retirement income. See how long your corpus lasts — and when monthly growth exceeds withdrawals, it lasts forever.

⚡ Instant Results🔒 No Signup Required✅ 100% Free Forever📱 Works on All Devices
Configure Your Calculation
₹20,00,000
₹1 L₹5 Cr
₹15,000
₹1,000₹2 L
10%
4%20%
Monthly corpus growth₹16,667
Live Results

Corpus Duration

∞ Forever
Growth exceeds withdrawals
Split60%
Monthly Growth
₹16,667
Monthly Withdrawal
₹15,000
Initial Corpus₹20,00,000
Monthly Withdrawal₹15,000
Monthly Corpus Growth₹16,667
Net Monthly Change+₹1,667

Results are indicative. Consult a financial advisor before making decisions.

📐 How It Works

n = −ln(1 − C×r/W) / ln(1+r)

Where C = Corpus, r = Monthly return rate, W = Monthly withdrawal. When W ≤ C×r (monthly growth ≥ withdrawal), the corpus theoretically never depletes.

💡 Pro Tips

  • 1The 4% rule: withdraw ≤4% of corpus annually for a 30-year retirement with high safety.
  • 2Increase withdrawals by 5–6% yearly to keep pace with inflation.
  • 3Equity funds are best for SWP for tax efficiency — gains under ₹1.25L per year are tax-free.

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