The SWP Calculator shows how a Systematic Withdrawal Plan plays out. You invest a lumpsum, withdraw a fixed amount every month, and the balance that stays invested keeps earning returns. Enter your investment, monthly withdrawal, expected return, and time period, and it shows your final corpus value, the total you withdraw, and — importantly — whether your money lasts the whole period or runs out early.
An SWP is popular for generating a regular monthly income from a corpus, especially in retirement, while the remaining balance continues to grow. Everything runs in your browser.
How to use the SWP calculator
- Enter the lumpsum you have invested.
- Set the amount you want to withdraw each month.
- Set the expected annual return and the time period in years.
- Read the final value, total withdrawn, and whether the corpus lasts or runs out.
How an SWP is calculated
Each month the calculator takes out your withdrawal first, then grows the remaining balance by one month’s return (annual return ÷ 12). This repeats every month for the whole period. If the balance is not enough to cover a withdrawal, the plan runs out — which the calculator flags.
Worked example: with ₹10,00,000 invested, ₹10,000 withdrawn monthly at an assumed 8% for 10 years, you withdraw ₹12,00,000 in total and still finish with about ₹3,77,983 — because the balance keeps earning more than you take out.
Will my corpus last?
The key question with an SWP is sustainability. If your monthly withdrawal is larger than the returns the balance earns, the corpus shrinks and eventually runs out; if the returns exceed your withdrawals, the balance actually grows. A common rule of thumb is to keep annual withdrawals to around 4–6% of the corpus so it can last for decades, but the right figure depends on your return assumption and how long you need the income.
Frequently Asked Questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund investment at regular intervals — usually monthly — while the remaining balance stays invested and keeps earning returns. It is the opposite of a SIP.
How long will my SWP last?
It depends on your withdrawal amount versus your returns. If you withdraw more than the balance earns each month, the corpus depletes over time; this calculator shows exactly when it would run out.
How much can I safely withdraw each month?
As a rough guide, keeping annual withdrawals to around 4–6% of your corpus helps it last for decades. Enter different amounts to see how long your money lasts at each level.
Is SWP income taxable?
Each withdrawal is treated as a redemption, so capital gains tax may apply on the gains portion. The tax depends on the fund type and holding period — check the current rules or consult a tax adviser.