SWP Calculator
Plan systematic withdrawals from a corpus. See total withdrawn, remaining corpus, and whether the monthly withdrawal may deplete the corpus early.
Amount available for withdrawals
Amount withdrawn every month
Annual return assumption (% p.a.)
Years you want the corpus to support
SWP year-wise projection
| Year | Withdrawn | Interest | Remaining |
|---|---|---|---|
| 1 | ₹7,20,000 | ₹8,03,000 | ₹1.0 Crore |
| 2 | ₹14,40,000 | ₹8,09,888 | ₹1.0 Crore |
| 3 | ₹21,60,000 | ₹8,17,349 | ₹1.0 Crore |
| 4 | ₹28,80,000 | ₹8,25,429 | ₹1.0 Crore |
| 5 | ₹36,00,000 | ₹8,34,180 | ₹1.0 Crore |
| 6 | ₹43,20,000 | ₹8,43,656 | ₹1.1 Crore |
| 7 | ₹50,40,000 | ₹8,53,920 | ₹1.1 Crore |
| 8 | ₹57,60,000 | ₹8,65,035 | ₹1.1 Crore |
| 9 | ₹64,80,000 | ₹8,77,073 | ₹1.1 Crore |
| 10 | ₹72,00,000 | ₹8,90,110 | ₹1.1 Crore |
| 11 | ₹79,20,000 | ₹9,04,229 | ₹1.1 Crore |
| 12 | ₹86,40,000 | ₹9,19,520 | ₹1.2 Crore |
| 13 | ₹93,60,000 | ₹9,36,080 | ₹1.2 Crore |
| 14 | ₹1.0 Crore | ₹9,54,015 | ₹1.2 Crore |
| 15 | ₹1.1 Crore | ₹9,73,438 | ₹1.2 Crore |
| 16 | ₹1.2 Crore | ₹9,94,473 | ₹1.3 Crore |
| 17 | ₹1.2 Crore | ₹10,17,254 | ₹1.3 Crore |
| 18 | ₹1.3 Crore | ₹10,41,926 | ₹1.3 Crore |
| 19 | ₹1.4 Crore | ₹10,68,646 | ₹1.4 Crore |
| 20 | ₹1.4 Crore | ₹10,97,583 | ₹1.4 Crore |
Remaining corpus
₹1.4 Crore
Corpus survives the selected period.
Total withdrawn
₹1.4 Crore
Lower withdrawals or a larger starting corpus improves durability. Returns are not guaranteed.
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Calculator guide
How to use the SWP Calculator
Use the SWP calculator to estimate how monthly withdrawals affect a mutual fund corpus over time. It is useful for retirement income or planned cash-flow needs.
SWP calculator logic
Corpus grows monthly, then withdrawal is deducted each month
- Starting corpus is the amount available for withdrawal.
- Monthly withdrawal is deducted after monthly growth in this model.
- Return rate is an assumption, not a guarantee.
- The corpus can deplete early if withdrawals are too high.
What is SWP?
SWP stands for systematic withdrawal plan. It lets investors withdraw a fixed amount from a mutual fund corpus at regular intervals.
SWP planning is the other side of SIP planning: SIP builds the corpus, SWP decides how carefully you draw it down.
Frequently asked questions
Can SWP income run out?+
Yes. If withdrawals exceed sustainable growth, the corpus can deplete before the selected period ends.
Are SWP withdrawals taxable?+
Tax treatment depends on the fund type, holding period, gains, and current tax rules.
Is SWP guaranteed income?+
No. SWP withdrawals come from your corpus and fund value can fluctuate with markets.