HaatBeat Calculators

SWP calculator

See how an invested amount changes when you withdraw a fixed sum every month, and whether it could run out.

Also known as: Regular withdrawal calculator.

ReviewedAny currency
₹
The amount invested at the start.
₹
Taken at the end of each month.
% a year
An assumption, not a promise. 0% to 50%.
years
1 to 50 years.
Amount left
₹5,38,616
5.39 lakh

Withdrawing ₹8,000 a month from ₹10,00,000 at 8% a year: After 15 years about ₹5,38,616 would be left. Total withdrawn: ₹14,40,000.

Where the money went
Starting amount₹10,00,000
Estimated growth₹9,78,616
Total withdrawn₹14,40,000
Amount left₹5,38,616
Illustrative estimate. Assumes the balance grows monthly at one-twelfth of the annual rate and each withdrawal is taken at the end of the month. Actual returns vary and are not guaranteed; taxes and charges are not included.

Balance by year

02.5 lakh5 lakh7.5 lakh10 lakh0246810121415
YearWithdrawnGrowthBalance
1₹96,000₹79,400₹9,83,400
2₹96,000₹78,022₹9,65,422
3₹96,000₹76,530₹9,45,953
4₹96,000₹74,914₹9,24,867
5₹96,000₹73,164₹9,02,031
6₹96,000₹71,269₹8,77,300
7₹96,000₹69,216₹8,50,516
8₹96,000₹66,993₹8,21,509
9₹96,000₹64,585₹7,90,094
10₹96,000₹61,978₹7,56,072
11₹96,000₹59,154₹7,19,226
12₹96,000₹56,096₹6,79,322

How it's calculated

Each month: B = B × (1 + r) − W

B is the balance, r is the annual rate divided by 12 and W is the monthly withdrawal, taken at the end of the month. If B is less than W, the last withdrawal is what is left.

Assumptions

  • The balance grows monthly at one-twelfth of the annual rate.
  • The withdrawal is the same every month and taken at the end of the month.
  • Taxes, charges and inflation are not included.

Worked example

10 lakh rupees growing at 12% a year (1% a month) with 10,000 withdrawn every month stays at 10 lakh: each withdrawal equals that month’s growth.

Questions

Why does the balance sometimes rise?

If the monthly growth is larger than the withdrawal, the balance grows even while you withdraw.

Is the return certain?

No. Market-linked returns vary and can be negative, and a fall early on reduces what is left for later. Try lower rates too.

Does this include tax on withdrawals?

No. Tax depends on your country and product. Enter a lower return or a higher withdrawal to allow for it.

Sources

Last reviewed 1 October 2026 by Sachin. How we check calculators.