Enter your investment, your monthly withdrawal, and an expected return. PaisaCalc works out whether your corpus lasts the distance — or exactly when it runs out.
| Year | Opening balance | Withdrawn this year | Growth this year | Closing balance |
|---|
An SWP is a tug-of-war between two things every month: your withdrawal pulling money out, and your expected return adding money back in. Which one wins determines whether your corpus grows, holds steady, or runs out.
Each month, your corpus grows at your expected rate, then your withdrawal is taken out of the new balance:
Closing balance = (Opening balance × (1 + r)) − Withdrawal
Where r is your expected monthly return (annual rate ÷ 12 ÷ 100). This repeats every month for your chosen withdrawal period, or until the balance reaches zero, whichever comes first.
If your monthly withdrawal is smaller than what your corpus earns that month, the balance keeps growing even as you withdraw from it. If your withdrawal is larger than that month's growth, you're drawing down the principal itself — which is completely fine for a fixed number of years, but will eventually deplete the corpus to zero if the gap between withdrawal and growth continues indefinitely. This calculator runs the month-by-month math and tells you plainly which of these is happening for your numbers.
Still building your corpus rather than drawing from it? Try the SIP Calculator to plan the accumulation phase first.
An SWP lets you invest a lump sum in a mutual fund and then withdraw a fixed amount from it at regular intervals, usually monthly, while the remaining balance stays invested and keeps earning returns. It's commonly used to generate regular income from a corpus, for example during retirement.
If your monthly withdrawal is consistently larger than the returns your corpus is generating, the balance shrinks over time and can reach zero before your chosen withdrawal period is over. This calculator flags exactly when that's projected to happen, so you can adjust your withdrawal amount or expected return assumption.
As a rough rule of thumb, if your monthly withdrawal stays below what your corpus earns on average each month at your expected rate of return, the balance tends to hold steady or grow over time. Withdrawing more than that draws down the principal itself, which is fine for a fixed period but will eventually deplete the corpus if continued indefinitely.
No. Like a SIP, an SWP draws from mutual fund investments, which are market-linked. The expected return you enter is an assumption for illustration only — actual returns fluctuate and can be lower (or negative) in some periods, which would deplete the corpus faster than projected here.
Six free tools, all built the same way — exact date-based math, year-by-year breakdowns, and no signup.
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Open →Increase your SIP every 6 or 12 months in line with salary hikes — and see exactly how much more you end up with.
Open →