Calculator Settings

Initial Investment (₹)

Withdrawal Amount (₹)

Expected Annual Return Rate (%)

Withdrawal Frequency

Duration

Results

Initial Investment

₹10,00,000

Withdrawal Amount

₹5,000

Annual Return

Frequency

Monthly

Duration

20 Years

Total Withdrawals

₹12,00,000

Total Interest

₹14,20,000

Final Corpus

₹8,42,000

Withdrawal Schedule

Period	Withdrawal (₹)	Interest (₹)	Remaining Corpus (₹)	Status

SWP Calculation Formulas

Basic SWP Formula

Remaining Corpus = (Previous Corpus × (1 + r)) - SWP Amount

Where:

r = Periodic interest rate (annual rate ÷ number of periods per year)

SWP Amount = Fixed withdrawal amount per period

Corpus Depletion Formula

n = ln(1 - (P × r)/SWP) ÷ ln(1 + r)

Where:

n = Number of periods until depletion

P = Initial principal amount

r = Periodic interest rate

SWP = Withdrawal amount per period

ln = Natural logarithm

Practical Examples

Retirement Income

Scenario:

Initial investment: ₹50,00,000
Monthly withdrawal: ₹25,000
Expected annual return: 7.5%
Withdrawal frequency: Monthly

Calculation:

Monthly rate = 7.5% ÷ 12 = 0.625% = 0.00625

n = ln(1 - (50,00,000 × 0.00625)/25,000) ÷ ln(1 + 0.00625)
n = ln(1 - 1.25) ÷ ln(1.00625)
n = ln(-0.25) ÷ ln(1.00625) → Not possible (negative logarithm)

Result:

The corpus will continue growing indefinitely at this withdrawal rate.

Education Funding

Scenario:

Initial investment: ₹15,00,000
Quarterly withdrawal: ₹1,00,000
Expected annual return: 8%
Withdrawal frequency: Quarterly

Calculation:

Quarterly rate = 8% ÷ 4 = 2% = 0.02

n = ln(1 - (15,00,000 × 0.02)/1,00,000) ÷ ln(1 + 0.02)
n = ln(1 - 0.3) ÷ ln(1.02)
n = ln(0.7) ÷ ln(1.02)
n = -0.356675 ÷ 0.019803 = -18.01
Absolute value = 18 quarters = 4.5 years

Result:

The corpus will last for approximately 4.5 years (18 quarters).

Vastu

SWP

SWP Calculator

Calculator Settings

Results

Withdrawal Schedule

SWP Calculation Formulas

Practical Examples

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