GOALS, RETURNS, AND HOUSEHOLD RESERVES
SWP Calculator
Estimate a remaining balance after monthly systematic withdrawals under a return assumption you enter.
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Your result
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Enter your values and choose Calculate. Your inputs stay on this device.
How it works
Each month applies the assumed monthly return and then subtracts the chosen withdrawal until the period ends or the balance reaches zero.
Assumptions and limits
Returns are assumed constant. Sequence risk, market losses, tax, exit load, fees, inflation, and withdrawal timing can materially change the outcome.
About this calculator
This scenario shows how a recurring withdrawal and assumed return interact with an opening investment balance.
What this tool helps you check
Model recurring withdrawals from an opening balance under an explicit return assumption and show when the scenario may exhaust the balance.
How to use it
- Enter the current balance and planned monthly withdrawal.
- Use a cautious return assumption and select the period.
- Review the total withdrawn and whether the modelled balance lasts.
- Test lower-return and higher-withdrawal scenarios before planning income.
Source and update
Last reviewed: 2026-08-22
SEBI Investor — calculators and investor educationFrequently asked questions
What does this swp calculator show?
This scenario shows how a recurring withdrawal and assumed return interact with an opening investment balance.
Does an SWP guarantee monthly pension?
No. Investment returns and the remaining balance can vary, and withdrawals may exhaust the balance.
Is this an official quote or advice?
No. It is an educational scenario based on the values entered. Verify financial, tax, lending, payroll, or investment decisions with the responsible institution and current official information.
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