ToolFactory

SWP Calculator

SWP Calculator: free, instant and private. A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.

How the SWP Calculator works

The SWP Calculator takes Initial corpus (₹), Monthly withdrawal (₹), Expected return (% p.a.), Withdrawal period (years) and returns the answer instantly — no button to hunt for, no page reload. A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.

Enter your own numbers to replace the example values; the result panel updates as you type. Everything runs in this single page, so nothing you enter leaves your device.

Formula used

each month: balance = balance × (1 + r) − withdrawal, until the period ends or the corpus hits zero

SymbolMeaning
corpusthe lump sum the withdrawals come out of
withdrawalthe fixed monthly amount you take out
rmonthly return = annual ÷ 12

A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.

Inputs used: Initial corpus (₹), Monthly withdrawal (₹), Expected return (% p.a.), Withdrawal period (years).

Worked example

Take the default example — initial corpus (₹) of 2000000, monthly withdrawal (₹) of 15000, expected return (% p.a.) of 8, withdrawal period (years) of 15:

Frequently asked questions

What formula does the SWP Calculator use?
It uses each month: balance = balance × (1 + r) − withdrawal, until the period ends or the corpus hits zero, where corpus is the the lump sum the withdrawals come out of; withdrawal is the the fixed monthly amount you take out; r is the monthly return = annual ÷ 12.
Is the SWP Calculator free?
Yes. There is no signup, no usage limit and no watermark — the calculator runs entirely in your browser.
How do I read the result?
A SWP survives when the withdrawal rate stays below the return rate: ₹30,000/month from ₹50L needs only 7.2% to last forever. The simulator also shows exactly which month the money would run out — that number is the real risk metric.
Does the SWP Calculator store or send my data?
No. Every calculation happens locally in the page, so the numbers you type are never uploaded or logged.
Does it work on a phone and offline?
Yes — the page is a single lightweight file that adapts to any screen size. Once it has loaded it keeps working without a network connection.