SWP Calculator

An SWP (Systematic Withdrawal Plan) is the reverse of a SIP: instead of putting money in every month, you withdraw a fixed amount every month from a lump sum you've already invested, while the rest keeps growing at your expected rate of return. It's commonly used by retirees to turn their savings into a steady monthly "income". This calculator shows whether your money will last the full period you plan for, or run out sooner, and how much would be left if it survives. All figures are in future rupees — a fixed withdrawal buys less each year as prices rise. Set Annual step-up to your inflation estimate to keep the withdrawal's buying power constant.