Plan a Systematic Withdrawal Plan — see how long your corpus lasts
SWP Calculator is a comprehensive financial calculator designed to help you plan a systematic withdrawal plan — see how long your corpus lasts. Planning finances requires absolute precision; this calculator provides instant accurate projections for EMIs, compounding, loans, and investment portfolio returns.
An SWP lets you withdraw a fixed amount from an investment at regular intervals, usually monthly, while the rest stays invested. This calculator models that: it adds a month of growth to the balance, then takes out your withdrawal.
It depends on the corpus, the withdrawal, and the return. For ₹50,00,000 at 8% with ₹50,000 withdrawn monthly, the money lasts about 13 years and 10 months. The tool reports how many months the balance lasts.
If withdrawals are no more than the monthly growth, the principal stays intact. At 8% a year, ₹50,00,000 earns about ₹33,333 in the first month (5,000,000 x 0.08 / 12). That holds only if returns are steady, which markets do not guarantee.
A SIP puts money into an investment regularly to build a corpus. An SWP takes money out regularly from an existing corpus to provide income. They are opposite flows, and people often use a SIP while earning and an SWP after retirement.
No. It assumes a constant return and a fixed withdrawal, and ignores tax on gains, inflation and expense ratio. In practice, part of each withdrawal may be taxed as capital gains, so check the current tax rules.
The tool shows a warning with the number of years and months your money lasts, and the last withdrawal is limited to what is left. You can lower the monthly amount, raise the corpus, or shorten the period until the balance lasts.
No. Toolskyt operates under a zero-server policy. All calculations, data formatting, and file exports are executed locally on your machine.
No, this tool is 100% free. There are no limits, sign-ups, subscriptions, or hidden charges required.
A reducing interest rate means interest is charged only on the remaining outstanding principal balance at the end of each period, rather than the initial loan amount.