SWP Calculator
See how long a corpus lasts at a given monthly withdrawal.
- Free
- No signup
- Nothing uploaded
- No watermark
- Total withdrawn
- ₹72,00,000
- Monthly withdrawal as a share of corpus
- 7.20%per year
- Withdrawal this corpus can sustain forever
- ₹33,333taking only the growth
Year by year
| Year | Opening (₹) | Withdrawn (₹) | Growth (₹) | Closing (₹) |
|---|---|---|---|---|
| 1 | 50,00,000 | 3,60,000 | 4,01,500 | 50,41,500 |
| 2 | 50,41,500 | 3,60,000 | 4,04,944 | 50,86,444 |
| 3 | 50,86,444 | 3,60,000 | 4,08,675 | 51,35,119 |
| 4 | 51,35,119 | 3,60,000 | 4,12,715 | 51,87,833 |
| 5 | 51,87,833 | 3,60,000 | 4,17,090 | 52,44,923 |
| 6 | 52,44,923 | 3,60,000 | 4,21,828 | 53,06,751 |
| 7 | 53,06,751 | 3,60,000 | 4,26,960 | 53,73,711 |
| 8 | 53,73,711 | 3,60,000 | 4,32,518 | 54,46,229 |
| 9 | 54,46,229 | 3,60,000 | 4,38,537 | 55,24,765 |
| 10 | 55,24,765 | 3,60,000 | 4,45,055 | 56,09,820 |
| 11 | 56,09,820 | 3,60,000 | 4,52,115 | 57,01,935 |
| 12 | 57,01,935 | 3,60,000 | 4,59,760 | 58,01,695 |
| 13 | 58,01,695 | 3,60,000 | 4,68,040 | 59,09,735 |
| 14 | 59,09,735 | 3,60,000 | 4,77,007 | 60,26,742 |
| 15 | 60,26,742 | 3,60,000 | 4,86,719 | 61,53,461 |
The money lasts only while it earns more than you take out. Each withdrawal sells some units, so tax is due on the profit part.
How to Use the SWP Calculator Online
A systematic withdrawal plan draws a fixed amount each month while the rest of the corpus stays invested, so how long it lasts depends on whether growth outpaces withdrawals. This shows the month the money runs out at a given rate of return, which is the number that matters for retirement planning and the one a simple division cannot give you.
No software to install Free Works on any device
Step-by-Step Guide to Using the SWP Calculator
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1. Fill in the fields with your own numbers
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2. The answer updates as you type — there is no button to press
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3. Read the breakdown underneath to see how the figure was reached
What is the SWP Calculator?
A systematic withdrawal plan draws a fixed amount each month while the rest of the corpus stays invested, so how long it lasts depends on whether growth outpaces withdrawals. This shows the month the money runs out at a given rate of return, which is the number that matters for retirement planning and the one a simple division cannot give you.
Why Use Free Online Calculators?
Loan instalments, tax, marks, calories and paint for a room all involve formulas most people do not remember. A calculator built for each question asks for the right numbers and shows the answer as you type.
“The right formula turns a worry into a number.”
- Answers update as you type
- EMI and interest worked out
- Marks and CGPA converted
- Home project materials estimated
- No formulas to memorise
- Tax regimes compared side by side
- Health numbers explained plainly
- Your figures stay private
Popular Uses for Everyday Calculators
People use these for money, study, health and home jobs.
- Home and car loans Work out the monthly EMI and total interest before signing a loan offer.
- SIP planning See how a monthly SIP could grow over ten or twenty years at an assumed return.
- Income tax choice Compare the old and new tax regimes to see which leaves more in hand.
- CGPA to percentage Convert a CGPA to a percentage for a job form or admission application.
- Health checks Find your BMI, daily calories or heart rate zones from a few simple numbers.
- Home improvements Estimate paint, tiles, bricks or concrete before buying, so less is wasted.
- Shopping discounts Check what a sale price really comes to after the discount and GST.
- Due dates Estimate a pregnancy due date or ovulation window from the date of the last period.
What You Can Do with the SWP Calculator
The calculation happens on your own machine, at your machine's speed
Compounding frequency is explicit, because it changes the answer more than people expect
Separates what you contributed from what the return added
Why Use ToolXkit for SWP Calculator?
Your files stay with you
Everything runs inside your browser. Nothing you open or type is uploaded to a server.
Free, with no catch
No signup, no watermark and no daily limit on how often you use it.
Fast
Results appear in seconds, because nothing has to travel over the internet and back.
Works on any device
Use it on a computer, tablet or phone, in Chrome, Edge, Firefox or Safari.
Nothing to install
No app, no extension and no desktop program. Open the page and start.
Made for real people
Plain words and clear buttons, built by one developer who wanted tools like this to exist.
Calculators for Different Users
Students
Convert CGPA, check required attendance and work out marks needed in the next exam.
Salaried employees
Check take-home pay, HRA exemption, gratuity and which tax regime suits you.
Investors
Compare SIP, PPF and compound interest returns before choosing where to put savings.
Home owners and builders
Estimate materials for painting, tiling, flooring and concrete work before visiting the shop.
Health and fitness
Track BMI, calories and heart rate zones, and time workouts with interval timers.
Small businesses
Work out margins, break-even points and marketplace fees before setting a price.
Best Times to Run the Numbers
A quick calculation helps when you are:
- Comparing two loan offers
- Filing your income tax return
- Converting CGPA for a form
- Planning a monthly investment
- Buying paint or tiles
- Starting a fitness plan
- Pricing a product to sell
- Scaling a recipe for guests
Frequently Asked Questions
Answers to common questions about this tool.
How much can I withdraw without running out?
If withdrawals stay below the real return — return minus inflation — the corpus survives indefinitely in principle. In practice sequence matters enormously: poor returns in the first few years of withdrawal do far more damage than the same returns later, which averages cannot capture.
How is SWP taxed compared with a dividend?
Each withdrawal is treated as a redemption, so only the gain portion is taxed rather than the whole amount — and long-term rates apply after the holding period. Dividends are taxed as income at your slab rate, which is why SWP is generally the more efficient way to draw a regular income.
How accurate is SWP Calculator?
It uses the standard formula for the calculation, so the maths is exact for the numbers you enter. For loans, tax and investments, treat the answer as a close estimate and confirm the final figure with your bank or adviser.
Does SWP Calculator save the numbers I enter?
No. Your figures are worked out in the browser and are not sent to any server or stored in an account. Salary, loan and health details stay on your device.
Are the income tax calculators up to date?
They are built on the slabs published by the Income Tax Department for the year shown on each page. Rules change with each Budget, so confirm the figures on the official portal before you file.
Can I rely on these calculators for health decisions?
They are good for a quick check, such as BMI or daily calories. They are not a medical diagnosis, so talk to a doctor before changing medicine, diet or treatment based on a result.
Do I need to install an app?
No. Every calculator runs in the browser on your phone or computer, with no download and no sign-up. Bookmark the page if you use it often.
Further reading
- Income Tax Department e-filing portal (Government of India) The official e-filing portal of the Income Tax Department of India, for returns and tax rules.
- Reserve Bank of India India’s central bank, with the repo rate and lending rules that shape loan interest rates.
- Obesity and overweight (World Health Organization) The WHO fact sheet on BMI ranges and what they mean for health.
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