SWP Calculator.
Withdraw Smart. Stay Invested.
Plan your systematic withdrawal strategy — find out how long your corpus lasts at any withdrawal rate.
SWP Calculator Inputs
Enter your investment corpus and withdrawal details
SWP Results
Your withdrawal plan projection
Enter your SWP details to see your withdrawal projections
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) — also called a systematic withdrawal calculator or savings drawdown plan — lets you withdraw a fixed amount from your investment portfolio at regular intervals. It is the retirement-phase opposite of SIP: instead of building a corpus, you're drawing it down while the remainder keeps earning.
SWP Formula
Remaining Corpus = P×(1+r)^n − W×[((1+r)^n − 1)/r]P = Initial corpus, r = Monthly return, n = Months, W = Monthly withdrawal
How Long Will My Money Last?
The key question any savings withdrawal calculator answers. Two variables determine longevity: your withdrawal rate and your portfolio return.
$500,000 corpus
$2,000/mo withdrawal
7% return
~35 years
$500,000 corpus
$3,500/mo withdrawal
7% return
~18 years
$1,000,000 corpus
$4,000/mo withdrawal
7% return
Indefinitely
SWP vs Other Withdrawal Plans
Fixed amount withdrawn at regular intervals. Remaining corpus keeps growing. Best for predictable income needs.
Classic US retirement rule: withdraw 4% of portfolio annually. A $1M portfolio supports $40,000/year without depleting over 30 years.
Tax-advantaged accounts have required minimum distributions (RMDs) starting at age 73. Early withdrawals before 59½ incur 10% penalty.
Annuities guarantee income for life but sacrifice flexibility and growth. SWP retains ownership and market upside, but can be depleted.
Frequently Asked Questions
What does SWP mean?▾
SWP stands for Systematic Withdrawal Plan. It means withdrawing a fixed amount from your investment portfolio at regular intervals (monthly, quarterly, or annually). The remaining corpus continues to earn returns, extending how long your savings last. It's widely used in India for mutual fund withdrawals and globally as a portfolio drawdown strategy.
How long will $1 million last in retirement?▾
It depends on withdrawal rate and portfolio returns. At a 4% withdrawal rate ($40,000/year) with 7% annual growth, a $1 million portfolio lasts indefinitely — your withdrawals are covered by returns. At $60,000/year (6%), the portfolio depletes in roughly 25 years. Use our SWP calculator to model any combination.
What is the systematic withdrawal plan in the USA?▾
In the US, a systematic withdrawal plan typically refers to scheduled withdrawals from brokerage accounts, IRAs, or 401(k)s. Most brokerages (Vanguard, Fidelity, Schwab) let you set up automatic monthly withdrawals. For tax-advantaged accounts, be aware of required minimum distributions (RMDs) and early withdrawal penalties.
What is the safe withdrawal rate?▾
The 4% rule, popularized by the Trinity Study, says you can safely withdraw 4% of your retirement portfolio annually without running out of money over a 30-year retirement. This translates to: you need 25× your annual expenses saved. If you spend $60,000/year, you need $1.5 million. Adjust down to 3–3.5% for longer retirements.
What is the difference between SWP and SIP?▾
SIP (Systematic Investment Plan) is about building wealth — you invest a fixed amount regularly to grow your corpus. SWP (Systematic Withdrawal Plan) is about utilizing wealth — you withdraw a fixed amount regularly from an existing corpus. SIP is for the accumulation phase; SWP is for the distribution (retirement) phase.