₹12,977 a month
Take up to this every month and the money lasts the 10 years, at an assumed 10% a year, with ₹109 left at the end.
SWP calculator
Taking ₹10,000 a month from ₹10 lakh at an assumed return of 10% a year for 10 years leaves ₹5.95 lakh, after taking out ₹12 lakh in all.
- Verified 4 October 2026
- Formula shown
- By the Accurio.in team
Left after 10 years
₹5.95 lakh
After taking ₹10,000 a month at an assumed 10% a year
- You take out
- ₹12,00,000
- Left at the end
- ₹5,95,104
You put in₹10,00,000
Try a what-if
16 years 9 months
How long ₹10,000 a month lasts with no end date, at an assumed 10% a year. Returns are not guaranteed.
₹3.58 lakh left
What is left after 10 years at an assumed 8% instead of 10%. Returns are not guaranteed.
See how it plays out
Taken outStill investedDrag across the chart
At an assumed 10% a year, ₹5.95 lakh is still invested after 10 years.
| Year | Taken out so far | Left |
|---|---|---|
| Year 1 | ₹1,20,000 | ₹9,74,595 |
| Year 2 | ₹2,40,000 | ₹9,46,649 |
| Year 3 | ₹3,60,000 | ₹9,15,908 |
| Year 4 | ₹4,80,000 | ₹8,82,094 |
| Year 5 | ₹6,00,000 | ₹8,44,898 |
| Year 6 | ₹7,20,000 | ₹8,03,982 |
| Year 7 | ₹8,40,000 | ₹7,58,975 |
| Year 8 | ₹9,60,000 | ₹7,09,467 |
| Year 9 | ₹10,80,000 | ₹6,55,008 |
| Year 10 | ₹12,00,000 | ₹5,95,104 |
Market returns go up and down. The same withdrawals at other assumed returns:
| Assumed return | Left after 10 years | Taken out |
|---|---|---|
| 6% a year | ₹1.66 lakh | ₹12 lakh |
| 8% a year | ₹3.58 lakh | ₹12 lakh |
| 10% a year | ₹5.95 lakh | ₹12 lakh |
| 12% a year | ₹8.87 lakh | ₹12 lakh |
| 14% a year | ₹12.41 lakh | ₹12 lakh |
How this is calculated
The formula
Balance = Balance × (1 + i) − W, every month
- W = the monthly withdrawal, i = the monthly rate = (1 + assumed yearly return)1/12 − 1, so the money grows by exactly the assumed rate in a year with nothing taken out.
- Each month the balance grows first, then the withdrawal is taken: the first one a month after the money goes in.
- When the balance cannot cover a withdrawal, the last withdrawal is what is left, and the money has run out.
- The most that lasts is the level withdrawal that leaves nothing at the end: P × i × (1 + i)n ÷ ((1 + i)n − 1), n = the number of months.
Assumptions
- The return is your assumption: a yearly compounded rate, the same every year. Real returns go up and down, can be negative in some years, and are not guaranteed.
- The same amount is taken out every month, and nothing else is added or withdrawn.
- Tax on what you withdraw and exit loads are not included. Use a return after fund costs.
Is the assumed return guaranteed?
No. It is a number you choose to see how withdrawals could play out. Market-linked investments can earn more or less than this, and can lose value. The “Other returns” tab shows the same withdrawals at other rates.
Why does AMFI’s SWP calculator usually show more?
Calculators make two choices: how a yearly rate becomes a monthly one, and when each withdrawal is taken. AMFI’s SWP calculator divides the yearly rate by 12 and takes each withdrawal at the start of the month; monthly compounding then turns 10% into about 10.47% a year. This page uses the monthly rate that grows the money by exactly the yearly rate you enter, and takes each withdrawal at the end of its month. For ₹10 lakh, ₹10,000 a month, 10 years at 10%, that leaves ₹5.95 lakh here and ₹6.42 lakh on AMFI’s calculator. With large withdrawals compared with the money, taking each at the start of the month can leave less there instead. When you plan to live off withdrawals, the lower figure is the cautious one.
What is an SWP?
A systematic withdrawal plan takes a fixed amount out of an investment at regular intervals, here every month, while the rest stays invested. This page only shows how such withdrawals could play out at a return you assume; whether one suits you is your decision.
What changed
This calculator grows the balance at the yearly return you assume and takes out each withdrawal, using the formula shown above. No government rate or limit goes into it, so no rule change affects it. Its method was last checked on 4 October 2026.
Mistakes we have fixed on any page are listed on Corrections.