How SWP Calculator works

Model systematic monthly withdrawals, estimated growth and remaining balance, including possible depletion.

The formula

Each month the balance earns the monthly equivalent of the annual return, then the withdrawal is taken at month end.

A practical example

A ₹10,00,000 portfolio with ₹10,000 monthly withdrawals can be tested across different assumed return rates and durations.

Important limitations

Results are estimates based only on the values you enter. They do not include every fee, tax, timing difference, market movement or product rule.

Frequently asked questions

When is each withdrawal taken?

At the end of the month, after that month’s estimated growth.

What happens if the balance runs out?

The model stops, reports the depletion month and never shows a negative balance.

Are market returns constant?

No. The steady rate is only a planning assumption.