SWP Calculator

What is SWP?

SWP (Systematic Withdrawal Plan) is a way to withdraw a fixed amount from your investment corpus at regular intervals—typically every month—while the remaining balance stays invested and continues to earn returns. Many mutual fund investors use SWP in retirement to get a regular income: instead of selling a lump sum, you withdraw only what you need each month, and the rest keeps growing. In India, equity and debt funds both offer SWP; the calculator above helps you see how long your corpus will last for a given monthly withdrawal and expected return.

SWP is the reverse of SIP: in SIP you invest regularly to build corpus; in SWP you withdraw regularly from an existing corpus. The key variables are the initial corpus, the monthly withdrawal amount, and the expected annual return on the remaining balance. If withdrawal is too high relative to return, the corpus depletes quickly; if it is moderate, it can last many years. Use this calculator to plan retirement income or to see how much you can safely withdraw each month from a lump sum.

How is SWP calculated?

Each month, the balance grows by the monthly equivalent of the annual return (rate/12), and then the withdrawal is subtracted. So: New balance = Old balance × (1 + r/12) − Withdrawal. This is repeated until the balance reaches zero or you stop. The calculator runs this projection and tells you how many months the corpus lasts, the total amount withdrawn, and the remaining balance (zero when depleted). Assumptions: fixed monthly withdrawal, constant monthly return (no volatility), and withdrawals at the end of each month. Real mutual fund returns vary, so use the result as a plan, not a guarantee.

Example calculation

Suppose you have a corpus of ₹50 lakh and want to withdraw ₹25,000 per month. You expect the remaining amount to grow at 8% p.a. The calculator projects month by month: after each month the balance grows by 8/12% and then ₹25,000 is subtracted. In this scenario the corpus lasts about 22 years (265 months), and you would have withdrawn about ₹66 lakh in total. If you increase withdrawal to ₹40,000 per month, the corpus depletes in roughly 15 years. Use the calculator above with your corpus, desired monthly payout, and expected return to see how long your money will last and to adjust withdrawal or return assumptions.

Benefits of Using This Calculator

An SWP calculator helps you plan retirement income or any regular withdrawal from a lump sum. You can see how long your corpus will last for different withdrawal amounts and return assumptions, so you can choose a sustainable monthly payout. It also shows the total amount you will withdraw over time, which is useful for tax and cash-flow planning. Use it before starting an SWP in a mutual fund to set realistic expectations and to compare different scenarios (e.g. conservative vs optimistic return).

The tool is free and requires no sign-up. Try different combinations of corpus, withdrawal, and return to find a plan that fits your needs. Remember that actual returns will vary; use a conservative return assumption for safety.

How to Use This Calculator

Enter your initial corpus in rupees (the lump sum you will use for SWP), the monthly withdrawal amount you want, and the expected annual return (in %) on the remaining balance. The calculator shows how many years and months the corpus will last, the total amount withdrawn, and the remaining balance (zero when depleted). Adjust the withdrawal or return to see how the duration changes. Use a conservative return (e.g. 6–8%) for long-term planning; actual mutual fund returns are volatile.

For mutual fund SWP, the return depends on the fund type (equity, debt, or hybrid). This calculator assumes a constant return for simplicity; in reality, market returns vary. Use the result to plan your SWP amount and to discuss with a financial advisor if needed.

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