Calculator
SWP calculator
How long a corpus lasts with monthly withdrawals.
≈ ₹50.00 L
- Money lasts
- 20y 0m
- Total withdrawn
- ₹96,00,000
- Left over
- ₹33,30,283
Year-by-year schedule
| Year | Withdrawn | Balance |
|---|---|---|
| 1 | ₹4,80,000 | ₹49,68,731 |
| 2 | ₹9,60,000 | ₹49,34,529 |
| 3 | ₹14,40,000 | ₹48,97,118 |
| 4 | ₹19,20,000 | ₹48,56,198 |
| 5 | ₹24,00,000 | ₹48,11,440 |
| 6 | ₹28,80,000 | ₹47,62,482 |
| 7 | ₹33,60,000 | ₹47,08,933 |
| 8 | ₹38,40,000 | ₹46,50,360 |
| 9 | ₹43,20,000 | ₹45,86,292 |
| 10 | ₹48,00,000 | ₹45,16,214 |
| 11 | ₹52,80,000 | ₹44,39,563 |
| 12 | ₹57,60,000 | ₹43,55,721 |
| 13 | ₹62,40,000 | ₹42,64,014 |
| 14 | ₹67,20,000 | ₹41,63,705 |
| 15 | ₹72,00,000 | ₹40,53,986 |
| 16 | ₹76,80,000 | ₹39,33,974 |
| 17 | ₹81,60,000 | ₹38,02,704 |
| 18 | ₹86,40,000 | ₹36,59,121 |
| 19 | ₹91,20,000 | ₹35,02,068 |
| 20 | ₹96,00,000 | ₹33,30,283 |
Read this before you act on the number
- NPS Systematic Lump Sum Withdrawal (SLW) — A Retiree's Guide for 2026
So you're turning 60, your NPS account looks healthy, and now you have a decision to make: take a big chunk of cash at once, or let it drip-feed to you over time.
- Retirement Schemes in India: NPS vs PPF vs EPF — What Each One Actually Gives You
Most of us meet retirement the way we meet a train we cannot catch. Every year we say we will start. Every March we look at the same two or three options and pick the one we understand least.
Maths: Withdrawals come out monthly while the balance keeps compounding; returns are assumed. Verify rates against the lender's or fund's current card before acting.
Questions about this calculator
- How does the SWP calculator work?
- Withdrawals come out monthly while the balance keeps compounding; returns are assumed. The result is an estimate in Indian rupees, not a quote from any lender, bank or fund.
- Are the default rates current?
- No. Defaults are illustrative starting points. Verify the current rate against the lender's or fund's latest rate card before making a decision.
- Is the SWP calculator free to use?
- Yes. It runs in your browser, with no login and no inputs sent to a server.