About this calculator
Enter the amount invested, the monthly withdrawal, the expected return and the period. The calculator shows what will be left, how much you will have received, and how many months the money lasts at that withdrawal.
How to use it
- Enter the amount invested.
- Enter the monthly withdrawal.
- Enter an expected yearly return and the number of years.
- Read the value left, or when the money runs out.
The formula
- i
- the monthly return: expected yearly return ÷ 12 ÷ 100
- withdrawal
- the fixed monthly amount you take out
If the balance becomes smaller than one month’s withdrawal, the remaining balance is paid out and the plan ends.
Worked example
₹10 lakh invested at 8%
- Withdrawing ₹8,000 a month for 10 years: you receive ₹9,60,000 and ₹7,56,072 is still invested.
- At this withdrawal the money lasts 270 months, about 22½ years.
- Withdrawing ₹15,000 a month instead, the money runs out after 89 months.
What the result means
If the yearly withdrawal is less than the return earned, the balance can last for a very long time. Above that, the balance shrinks and eventually runs out; the table shows how fast.
A common rule of thumb is to withdraw no more than 4% to 6% of the starting amount a year if you need the money to last for decades, but it depends on returns and inflation.
Assumptions
- A constant return, compounded monthly.
- The same withdrawal every month, taken after the month’s growth.
Limitations
- Market returns vary, and a fall early in the plan shortens how long the money lasts.
- Each withdrawal redeems units and can attract capital gains tax; tax is not included.
- The withdrawal does not rise with inflation here, so its buying power falls over time.
Frequently asked questions
How long will my money last with SWP?
The “At this rate the money lasts” line shows it. Lower withdrawals or higher returns make it last longer.
Is SWP better than FD interest?
An SWP from a debt or hybrid fund can be more tax-efficient than FD interest, because only the gain part of each withdrawal is taxed. Returns are not guaranteed, though.
What is a safe withdrawal rate?
Many planners use 4% to 6% of the starting amount a year for long retirements. Test your own numbers here.
For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.
Last reviewed on 1 October 2026. Found a mistake? Tell us.