SWP Calculator

See how long your corpus lasts and what remains when you withdraw a fixed amount every month through a Systematic Withdrawal Plan.

Plan your withdrawals

Total investment

₹

Monthly withdrawal

₹

Expected return (p.a.)

Withdrawal period

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Your results

Final balance

₹3,90,180

Corpus lasts the full period

Remaining₹3.90 L

Total withdrawn₹12,00,00075.5%
Balance remaining₹3,90,18024.5%

Total invested

₹10,00,000

Total withdrawn

₹12,00,000

Growth earned

₹5,90,180

Months sustained

120

* The balance is projected assuming a steady return. Actual market returns vary month to month.

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What is the SWP Calculator?

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an investment at regular intervals while the remaining balance stays invested and continues to earn returns. An SWP calculator shows how much you can withdraw, how the balance behaves over time and whether your corpus will outlast your withdrawal period.

How does it work?

Each month the calculator first grows the balance by one month’s return, then subtracts your withdrawal. It repeats this for every month of the plan, tracking total withdrawals and the closing balance, and flags the point at which the corpus would be exhausted.

Formula

Balanceₘ = Balanceₘ₋₁ × (1 + i) − W

Balanceₘ = balance at the end of month m
i = monthly rate of return (annual ÷ 12)
W = fixed monthly withdrawal

Example calculation

With ₹10,00,000 invested at 8% p.a. and a ₹10,000 monthly withdrawal for 10 years, you withdraw ₹12,00,000 in total yet still retain a sizeable balance, because the corpus keeps earning returns on the un-withdrawn amount.

Benefits

+Creates a predictable, regular income stream — useful in retirement.
+The remaining corpus keeps growing, unlike a plain savings drawdown.
+More tax-efficient than dividends, as only the gain portion is taxed.

Limitations

!If withdrawals exceed returns, the corpus depletes over time.
!Assumes a constant return; a market downturn early on hurts longevity.
!Does not model capital-gains tax on each withdrawal.

Conclusion

An SWP is a disciplined way to convert a corpus into steady income. Use the calculator to find a withdrawal rate your corpus can sustain — many planners suggest keeping annual withdrawals below your expected return to preserve capital.

Frequently Asked Questions

What is an SWP?+

A Systematic Withdrawal Plan lets you redeem a fixed sum from your mutual fund or corpus at regular intervals while the rest stays invested.

How is SWP different from a SIP?+

A SIP puts money in regularly to build a corpus; an SWP takes money out regularly to generate income from a corpus.

Will my money run out?+

It depends on the withdrawal amount versus the return. If you withdraw more than the corpus earns, the balance declines and can eventually be exhausted — the calculator flags this.

Is SWP income taxable?+

Yes. Each withdrawal is treated as a redemption, and the gain component is subject to capital-gains tax based on the fund type and holding period.

What is a safe withdrawal rate?+

A common guideline is to withdraw less than your expected annual return so the principal is preserved, but the right rate depends on your goals and risk.

Can I change the withdrawal amount later?+

Yes. SWPs are flexible — you can increase, decrease or stop withdrawals, and you can re-run this calculator with new figures.

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