GOALS, RETURNS, AND HOUSEHOLD RESERVES
Estimate a remaining balance after monthly systematic withdrawals under a return assumption you enter.
Your result
Enter your values and choose Calculate. Your inputs stay on this device.
Each month applies the assumed monthly return and then subtracts the chosen withdrawal until the period ends or the balance reaches zero.
Returns are assumed constant. Sequence risk, market losses, tax, exit load, fees, inflation, and withdrawal timing can materially change the outcome.
This scenario shows how a recurring withdrawal and assumed return interact with an opening investment balance.
Model recurring withdrawals from an opening balance under an explicit return assumption and show when the scenario may exhaust the balance.
Build a reliable scenario
SWP Calculator helps you check a specific investing & savings question with figures that apply to you. Estimate a remaining balance after monthly systematic withdrawals under a return assumption you enter. Model recurring withdrawals from an opening balance under an explicit return assumption and show when the scenario may exhaust the balance. The page keeps the method and limits visible so the result can be understood, compared, and checked instead of treated as an unexplained answer.
Prepare Starting investment balance, Monthly withdrawal, Assumed annual return and Withdrawal period. 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 Review the total withdrawn and whether the modelled balance lasts.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. Keep units, dates, currency, and time periods consistent.
The stated method is: Each month applies the assumed monthly return and then subtracts the chosen withdrawal until the period ends or the balance reaches zero. Change one assumption at a time to see which input drives the result, then compare scenarios on the same basis.
Returns are assumed constant. Sequence risk, market losses, tax, exit load, fees, inflation, and withdrawal timing can materially change the outcome. Illustrative return scenario only. It is not a prediction, recommendation, or guarantee of investment performance.
Source and update
Last reviewed: 2026-08-22
SEBI Investor — calculators and investor educationThis scenario shows how a recurring withdrawal and assumed return interact with an opening investment balance.
No. Investment returns and the remaining balance can vary, and withdrawals may exhaust the balance.
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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