SWP Calculator
Model a Systematic Withdrawal Plan — see how long your corpus lasts, the total withdrawn and the final balance with regular monthly withdrawals.
About this calculator
An SWP calculator models a Systematic Withdrawal Plan — taking a fixed amount out of your investment every month while the rest stays invested and keeps earning. It shows how long your corpus will last, how much you'll withdraw in total, and the balance left at the end.
How it works
Each month the remaining corpus grows by the monthly return, then your withdrawal is subtracted. If withdrawals outpace growth, the balance declines — and the calculator warns you if it would run out before your chosen tenure.
Worked example
A ₹10,00,000 corpus with a ₹10,000 monthly withdrawal at an 8% return lasts the full 10 years and still leaves a balance, because the monthly returns largely cover the withdrawals.
Building the corpus first? Use the SIP or lumpsum calculator.
Why use this SWP calculator
Turns a corpus into income
A systematic withdrawal plan pays you a fixed amount regularly while the balance keeps growing; the tool tracks both the payouts and the remaining corpus.
Tests sustainability
See whether your withdrawal rate depletes the corpus or leaves it intact, so your income doesn't run out too early.
Retirement-income focused
It's built for the drawdown phase, showing how long your money lasts at a given monthly withdrawal and return.
Common use cases
- Plan a monthly income from your retirement corpus
- Find a withdrawal rate that preserves your capital
- Compare SWP income against an annuity
- See how long a lump sum lasts at a chosen monthly payout
Frequently asked questions
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from a mutual fund investment at regular intervals — usually monthly — while the remaining balance stays invested and continues to earn returns. It's popular for generating a retirement-style income.
Each month the calculator grows your remaining corpus by the monthly return, then subtracts your withdrawal. It repeats this for your chosen tenure and shows the final balance, total withdrawn, and warns if the corpus runs out early.
Yes. If your withdrawals exceed what the corpus earns, the balance falls over time and can hit zero before the tenure ends. The calculator flags exactly when that happens.
It can offer higher returns and more tax efficiency than an FD, but unlike an FD it's market-linked and not guaranteed. Compare both for your situation.
Yes. The calculation runs in your browser and nothing you enter is uploaded.
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