Finance / India
SWP Calculator: Estimate in Rupees
Estimate how long a corpus can support fixed monthly withdrawals and export annual balances.
SWP Calculator: Estimate in Rupees: Applies the entered return monthly, then withdraws the requested amount at month end. Reports the month of depletion or a bounded projection horizon with no depletion. The final withdrawal is limited to the remaining balance. Market volatility, inflation and tax are excluded. Runs 100% locally in your browser with zero server file uploads.
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- Business & admin tools
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- In your browser
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- Free · no sign-up
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- Ready to use
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Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.
Monthly growth is applied before the month-end withdrawal. The last withdrawal may be smaller than requested. Constant returns ignore market volatility, inflation and tax.
Corpus depleted after 166 months.
Remaining corpus
Years 1 to 14Chart scale: ₹0 to ₹23,96,250.62
| Year | Deposits | Withdrawals | Interest / growth | Remaining corpus |
|---|---|---|---|---|
| 1 | ₹25,00,000₹25 lakh | ₹3,00,000₹3 lakh | ₹1,96,250.62₹1.96 lakh | ₹23,96,250.62₹23.96 lakh |
| 2 | ₹0 | ₹3,00,000₹3 lakh | ₹1,87,639.47₹1.88 lakh | ₹22,83,890.09₹22.84 lakh |
| 3 | ₹0 | ₹3,00,000₹3 lakh | ₹1,78,313.6₹1.78 lakh | ₹21,62,203.69₹21.62 lakh |
| 4 | ₹0 | ₹3,00,000₹3 lakh | ₹1,68,213.69₹1.68 lakh | ₹20,30,417.37₹20.3 lakh |
| 5 | ₹0 | ₹3,00,000₹3 lakh | ₹1,57,275.49₹1.57 lakh | ₹18,87,692.86₹18.88 lakh |
| 6 | ₹0 | ₹3,00,000₹3 lakh | ₹1,45,429.43₹1.45 lakh | ₹17,33,122.29₹17.33 lakh |
| 7 | ₹0 | ₹3,00,000₹3 lakh | ₹1,32,600.14₹1.33 lakh | ₹15,65,722.44₹15.66 lakh |
| 8 | ₹0 | ₹3,00,000₹3 lakh | ₹1,18,706.04₹1.19 lakh | ₹13,84,428.48₹13.84 lakh |
| 9 | ₹0 | ₹3,00,000₹3 lakh | ₹1,03,658.73₹1.04 lakh | ₹11,88,087.21₹11.88 lakh |
| 10 | ₹0 | ₹3,00,000₹3 lakh | ₹87,362.5 | ₹9,75,449.71₹9.75 lakh |
| 11 | ₹0 | ₹3,00,000₹3 lakh | ₹69,713.69 | ₹7,45,163.4₹7.45 lakh |
| 12 | ₹0 | ₹3,00,000₹3 lakh | ₹50,600.04 | ₹4,95,763.45₹4.96 lakh |
| 13 | ₹0 | ₹3,00,000₹3 lakh | ₹29,899.97 | ₹2,25,663.42₹2.26 lakh |
| 14 | ₹0 | ₹2,33,532.19₹2.34 lakh | ₹7,868.77 | ₹0 |
Withdrawal recurrence
OpenStax, Annuities: https://openstax.org/books/principles-finance-2e/pages/8-2-annuities
Each month: closing balance = max(0, opening balance × (1+r) − withdrawal). The annual rate is divided by 1200 to give r.
Projection limits
Choose a horizon up to 100 years. A constant return cannot capture sequence-of-returns risk, inflation or changing withdrawals. Treat every result as an estimate.
How to use it
- Enter amounts and choose the calculation options shown.
- Adjust the rate and duration to match your assumptions.
- Read the estimate, year-by-year chart and table, then download the CSV.
Privacy & limitations
Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.
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Frequently asked questions
When does the withdrawal happen?
After growth is applied at the end of each month. A depleted corpus can make only a partial final withdrawal.
Does no depletion mean the money lasts forever?
No. It means the balance remains positive within the selected horizon at the constant assumed return. Volatility and changing spending can produce different outcomes.
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