How long will my money last if I withdraw every month?
A systematic withdrawal plan (SWP) pays you a fixed amount every month from an investment while the rest stays invested. Enter the amount, the monthly withdrawal, the return and the period.
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₹68,45,597
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
Each month the withdrawal is taken out first and the rest grows by the yearly return ÷ 12. If the balance cannot pay a full withdrawal, the last one is what is left and the withdrawals stop.
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A systematic withdrawal plan takes a fixed amount out of a mutual fund every month and pays it to your bank, while the rest stays invested. It is common for a monthly income after retirement.
When the monthly withdrawal is more than the investment earns, the balance falls each month. 'Withdrawals paid for' shows how long it lasts; if it is shorter than the period you chose, the money runs out first.
Each withdrawal is partly your own money and partly gains; only the gains are taxed, as capital gains. That often makes an SWP cheaper in tax than interest from a deposit.
Short reads that explain how it works before you decide.
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