SWP Calculator

Plan your systematic withdrawals. Calculate your monthly payout, corpus value over time, and total withdrawals.

SWP Details

10,00,000
10,000
8.0 %
10 Years

Total Withdrawal

0

Corpus Remaining

0

Wealth Gained/Lost

0

Year-wise SWP Schedule

Year Opening Balance Withdrawals (Annual) Returns Earned Closing Balance

SWP Calculator – Estimate Regular Withdrawals from Investment

Use our free SWP (Systematic Withdrawal Plan) calculator to find out how much you can withdraw regularly from your mutual fund corpus, and what your remaining investment will be.

SWP Calculator (Systematic Withdrawal Plan)

With our SWP (Systematic Withdrawal Plan) calculator, you can estimate how long your investment corpus will last while making regular withdrawals. It's especially useful for retirees and income-seeking investors who wish to maintain a steady cash flow while keeping some portion invested.

What Is SWP & Why Use It

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount at regular intervals (monthly, quarterly, or yearly) from your existing mutual fund investment. Unlike redeeming your entire investment in one go, SWP lets part of the corpus remain invested and continue earning returns. :contentReference[oaicite:5]{index=5}

At each withdrawal date, the mutual fund redeems the necessary units to meet the withdrawal amount, and the remaining units stay invested. :contentReference[oaicite:6]{index=6}

SWP is often used by retirees or those needing a regular income from investments. It provides a disciplined exit strategy rather than a sudden full liquidation. :contentReference[oaicite:7]{index=7}

How the SWP Calculator Works (Formula & Inputs)

The calculator works using the logic that at each withdrawal period, the remaining balance will grow (or shrink) depending on your return rate, and then a fixed withdrawal is deducted.

Key inputs you’ll need:

  • Initial investment / corpus (amount invested in mutual fund)
  • Withdrawal amount per period (monthly / quarterly / annual)
  • Expected rate of return (annual %)
  • Duration / number of withdrawal periods (years or months)
  • Compounding / frequency alignment (if you assume monthly compounding or annual compounding)

With these inputs, the calculator simulates period by period: apply interest to the current balance, subtract the withdrawal amount, and carry forward the remainder. At the end of all periods, you'll see: total withdrawn, interest earned, and the remaining corpus. Many SWP calculators use a formula like:

  Ending Balance = Σ [ (Balanceprev × (1 + r/periods)) − Withdrawal ]  over all periods

Some online variants approximate using closed formulas: FV = PMT × [ (1 + r/n)^(n×t) – 1 ] / (r/n) for periodic withdrawals. :contentReference[oaicite:8]{index=8}

Step-by-Step: Using the Calculator

  1. Enter your initial investment corpus (e.g. ₹5,00,000).
  2. Enter the withdrawal amount per period (e.g. ₹5,000 / month).
  3. Enter your expected annual return (e.g. 8%).
  4. Enter the duration or number of withdrawal periods (in years / months).
  5. Click “Calculate” to generate results: total withdrawal amount, interest earned, and final remaining corpus.
  6. You can tweak inputs to see how long your corpus lasts for different withdrawal rates.

Example Scenarios

Example 1: You have ₹10,00,000 invested, expect returns of 8% p.a., wish to withdraw ₹10,000/month for 10 years. The calculator might show:

  • Total withdrawn over period: ₹12,00,000
  • Interest earned (on remaining amounts): e.g. ₹2,30,000
  • Remaining corpus after 10 years: e.g. ₹20,000 (depending on assumptions)

Example 2: With a slower withdrawal: ₹5,000/month from ₹5,00,000 over 15 years at 7% return — balance may remain positive or even grow slightly depending on yield vs withdrawal rate.

Interpreting the Results: Withdrawals & Remaining Corpus

Your results will typically show:

  • Total Withdrawn: Sum of all periodic withdrawals over the period.
  • Interest / Growth Earned: Earnings from the portions that remain invested before withdrawal.
  • Final Remaining Corpus: What remains after all withdrawals (could be zero or negative under aggressive withdrawal).

If your withdrawal rate is too high compared to return rate, your corpus might exhaust before the end of period — that’s a signal to scale down withdrawals or extend duration.

Benefits, Risks & Practical Considerations

Benefits

  • You maintain some capital invested, benefiting from potential returns.
  • Regular, predictable income flows without needing to time market exits.
  • Flexibility to set or pause withdrawals depending on need.

Risks & Considerations

  • If withdrawal rate > net return, corpus may deplete earlier than expected.
  • Market downturns can reduce corpus more sharply if many withdrawals in low NAV periods.
  • Assumes constant return rate — actual returns will vary year to year.
  • Taxes on withdrawal/gains, fund fees, and fund performance variability impact net results.

Taxation & Fund Type Impact

Tax implications depend on whether the mutual fund is equity or debt, and holding periods. In India, gains on equity funds held over 12 months attract long-term capital gains tax; for debt funds, different rules apply. SWP itself doesn’t attract separate TDS — tax is applicable on the redeemed units. :contentReference[oaicite:9]{index=9}

The fund type (equity / debt / hybrid) also affects return expectations and volatility, and hence sustainability of withdrawals.

Frequently Asked Questions (FAQ)

Is SWP better than lump sum withdrawal?

SWP allows regular income without fully liquidating your investment, giving some room for growth. Lump sum gives you full control at once, but loses future potential returns.

How long will my corpus last under SWP?

It depends on your withdrawal rate, return rate, and duration. Use the calculator to simulate multiple scenarios to ensure sustainability.

Can I stop or change withdrawal amount mid-way?

Yes — most mutual funds allow you to pause or adjust your SWP amount or frequency, subject to scheme rules.

Will SWP deplete my corpus entirely?

If your withdrawal rate is too high, especially if returns are lower than expected, yes — the principal may run out before duration ends.

Does SWP consider inflation?

No — this base calculator assumes nominal returns without inflation adjustment. For inflation-adjusted withdrawal planning, you may need enhanced modeling.

Related Tools & Links

Disclaimer: This SWP calculator provides estimates based on your inputs and assumptions. Actual results will vary based on fund performance, taxes, market cycles, and scheme costs. Use as planning guidance—not guarantee.

Last updated: October 2025