Question 1

What is an SWP?

Accepted Answer

A Systematic Withdrawal Plan: your money stays invested, and a fixed amount is redeemed to your bank every month. It is how a corpus — retirement savings, a sale, an inheritance — is turned into a monthly income.

Question 2

How long will my corpus last?

Accepted Answer

It depends on the gap between what you withdraw and what the corpus earns. ₹50 lakh earning 9% supports ₹30,000 a month for 20 years and still grows to about ₹87 lakh. Withdraw ₹40,000 a month from ₹30 lakh at 8% and it runs out in roughly 8.5 years. The chart shows your balance year by year.

Question 3

Is the monthly income guaranteed?

Accepted Answer

The withdrawal amount is yours to set, but the returns are not guaranteed — and a stretch of poor markets early in the plan shrinks the corpus faster than the average return suggests. Treat the projection as a scenario, not a promise, and review the plan yearly.

Question 4

How is it calculated?

Accepted Answer

Each month the withdrawal is taken out first, then the remaining balance compounds at the monthly rate equivalent to your annual return. If the balance hits zero, the calculator tells you the month it happens.

SWP calculator

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