SWP Calculator
Updated 20 August 2026
Model a Systematic Withdrawal Plan — see how long a lumpsum lasts, or how much you can safely withdraw each month, once you start drawing it down.
Open the Live SWP Calculator →Frequently asked questions
What is an SWP calculator?
SWP stands for Systematic Withdrawal Plan. This calculator shows what happens when you withdraw a fixed amount every month from a lumpsum investment, while the remaining balance continues to earn returns — useful for planning retirement income or any regular payout from savings.
How is this different from a SIP calculator?
A SIP calculator shows money going in every month and growing. An SWP calculator shows the reverse — money already invested, with a fixed amount coming out every month, while the balance still earns returns on whatever remains.
What does it mean if my corpus is 'exhausted early'?
It means your chosen monthly withdrawal is larger than what your corpus and its returns can sustain for your full withdrawal period, so the balance hits zero before the period ends. The calculator shows exactly how many years and months it lasted.
How can I make my corpus last longer?
Reduce the monthly withdrawal amount, choose a higher expected return (if realistic for your risk tolerance), or start with a larger initial corpus. Even a modest reduction in monthly withdrawal can meaningfully extend how long the money lasts.