Systematic withdrawal plan — how long your corpus lasts with monthly income.. SWP Calculator is a free online tool from the ToolsRift Finance & Health Calculators collection. It runs entirely in your browser — nothing to install, no signup, and your data never leaves your device.
Enter your invested corpus, monthly withdrawal amount and expected annual return. The calculator shows how many months the corpus lasts with a depletion table.
You invest a lumpsum and withdraw a fixed amount each month. The remaining balance keeps earning returns, so the corpus depletes slower than plain withdrawals.
It depends on the balance between returns and withdrawals. If withdrawals exceed the growth, the corpus shrinks each month and eventually reaches zero.
If the expected return earns more than you withdraw, the corpus can grow or stay stable, allowing withdrawals to continue for a very long time or perpetually.