Why use an SWP calculator online
Many fund house and platform apps have an SWP tool, but you often need to log in or install an app first. An SWP calculator online lets you test ideas in seconds: how much you can withdraw, how long the money lasts and what changes if returns are lower. Because the calculation runs in your browser, the amounts you type are not stored or sent to anyone.
What you get from this online SWP tool
- Final value of your investment after the withdrawal period.
- Total withdrawn and the returns earned while you were withdrawing.
- The maximum level SWP for your period, and the amount that withdraws only the returns.
- A year-by-year table showing each year’s withdrawals and closing balance.
- One-tap copy, share and print, so you can send the plan to a family member or adviser.
Test a few scenarios
A single result can give a false sense of certainty. Use the SWP calculator online to run three versions of your plan: one with your expected return, one about 2% lower and one about 2% higher. If the low-return version still lasts long enough, the plan has a safety margin. The table below shows the most you can withdraw each month at 8% for common corpus sizes:
| Corpus | 10 years | 20 years | 30 years |
|---|---|---|---|
| ₹10,00,000 | ₹12,052 | ₹8,309 | ₹7,289 |
| ₹25,00,000 | ₹30,131 | ₹20,773 | ₹18,223 |
| ₹50,00,000 | ₹60,262 | ₹41,545 | ₹36,445 |
| ₹1,00,00,000 | ₹1,20,524 | ₹83,090 | ₹72,891 |
Share or save your plan
Press Copy result to copy a one-line summary, Share to send a link that reopens the same calculation, or Print to keep a paper copy of the year-by-year table. The link contains the numbers you entered, so share it only with people you trust.