PLANNING
SWP calculator
Systematic Withdrawal Plan · Lumpsum in, fixed monthly withdrawal out
How it works
A Systematic Withdrawal Plan (SWP) is the mirror image of a SIP: you invest a lumpsum once, then withdraw a fixed amount every month while the remaining balance keeps growing at your assumed return. This calculator shows the balance path month over month and flags whether the corpus runs out before your chosen horizon - useful for modeling a retirement payout or any regular income drawn from a lumpsum.
SWP inputs
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Reality check
Historical only, not a forecast - it does not change the projection above. Past performance does not indicate future returns.
Assumes monthly compounding at a constant annual return · Not financial advice · For scenario analysis only