Simulate monthly withdrawals from an invested balance with growth and annual withdrawal increases.
Calculate with the SWP Calculator
Enter the details below. Required values are validated before results are shown.
SWP Calculator results
SWP Calculator projection
The year-by-year values are also provided in the accessible table.
How to use the SWP Calculator
- Choose the display currency and any calculation mode or frequency.
- Enter each required value using a consistent currency and time basis.
- Select Calculate or press Enter.
- Review the result explanation, assumptions, and any schedule before relying on the estimate.
Worked example
A ₹20 lakh balance with ₹15,000 monthly withdrawals starts at a 9% annual withdrawal rate.
Understanding the results
The summary separates the most important output from supporting values. Currency selection changes formatting only; it does not convert exchange rates or alter a currency-independent formula.
Frequently asked questions
How can I reduce the risk of SWP depletion?
Withdrawal increases are applied once each year and simulation stops if the balance reaches zero. The result depends on the values and assumptions entered, so compare it with the applicable provider or official rule.
Can I use decimal values in the SWP Calculator?
Yes. Decimal values are supported. Results are calculated at full JavaScript numeric precision and formatted for readability.
Are the SWP Calculator results guaranteed?
No. The calculator provides an estimate based on the entered assumptions and is not financial, tax, investment, lending, payroll, or legal advice.