SWP Calculator

How to read this swp calculator

Compare total withdrawals with the remaining balance. A high withdrawal can exhaust the fund, even with a positive assumed return. Actual fluctuating returns can cause depletion earlier or later than a constant-return projection.

Worked example

₹2,500 initially, ₹1,000 withdrawn monthly and 0% return pays ₹1,000, ₹1,000 and ₹500. The fund is depleted in month 3; total withdrawals are ₹2,500.

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Method and assumptions

Monthly growth is applied first, then the withdrawal. The last withdrawal is capped at the available balance, which never becomes negative.

The balance grows at an effective monthly rate before each month-end withdrawal. A final withdrawal is capped at the available balance; the result shows the depletion month. Constant returns, no fees or taxes.

Checks and limitations

Example and model checked on 2026-09-12. These are software calculation checks, not a professional review of your finances. Displayed rupees may differ slightly from unrounded totals.

This is a mathematical model; it does not quote a specific financial product.

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