SWP Calculator — how long your money will last
A systematic withdrawal plan pays you a fixed amount every month while the rest stays invested. Enter the amount invested, what you want each month and the return, and see what is left and how long it lasts.
Over 20 years
- Paid out to you₹72,00,00051%
- Still invested₹69,63,40149%
🎈 In today’s money at 6% inflation
Track your real investments: import your CAS statement once and Spendly shows every fund’s value and XIRR, kept up to date.
Track my investments →How it is calculated
Each month the money left grows at the monthly rate, then the withdrawal is paid out. If the return covers the withdrawal, the money lasts for good; if not, it runs down — the calculator shows when.
Each SWP payment is part capital and part gain, and only the gain is taxed. In equity funds, gains on units held over a year are long-term and taxed lightly, which is why SWP is popular for income in retirement.
Each month: balance = balance × (1 + return ÷ 12) − withdrawal Lasts until balance reaches 0 (or for good if growth ≥ withdrawal)
Questions
What is a safe SWP withdrawal rate?
Taking out less than the fund earns, after inflation, keeps the money lasting. Many plan on 3–4% of the corpus a year for a retirement of 30 years or more.
Is SWP better than a dividend option?
Usually, yes: you choose the amount and date, and you are taxed only on the gain in each withdrawal, not on the whole payout.
Does inflation matter for an SWP?
A great deal. A fixed ₹30,000 buys less every year; the calculator shows what your last withdrawal will feel like in today’s money.
Can I track withdrawals in Spendly?
Yes. Add the fund as an investment and record each withdrawal; Spendly keeps its value and your returns up to date.
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Free for any blog or website. Paste the code where the calculator should appear: it works on phones and stays up to date.