SWP Calculator
See how long your retirement corpus will last when you make regular monthly withdrawals (Systematic Withdrawal Plan), with a chart of the declining balance and inflation-adjusted figures.
Corpus Over Time
How this works
In an SWP, your money continues to earn returns while you make regular monthly withdrawals. If your withdrawal amount is less than the interest generated, your corpus will actually keep growing. If you withdraw more than you earn in interest, your corpus will eventually deplete — the chart shows exactly which way the balance trends.
The Remaining Real Value metric discounts your final remaining corpus by inflation, showing you what that leftover money is actually worth in today's purchasing power. For advanced withdrawal strategies (like increasing your withdrawal every year to match inflation), use our Timeline Simulator.
Why use a Systematic Withdrawal Plan?
SWPs are incredibly popular for retirement planning. Instead of keeping all your money in a low-interest bank account and living off the principal, you keep your corpus invested in mutual funds or index funds. You then automate a monthly withdrawal to act as your "pension."
Because the bulk of your money stays invested, it continues to compound. This strategy helps combat inflation and often ensures your money lasts decades longer than it would sitting in cash. Read more about how inflation affects investments, or model the accumulation phase with the SIP Calculator before you start withdrawing.