SWP Calculator
See how a Systematic Withdrawal Plan plays out — your total withdrawals, remaining corpus, and how long the money lasts, with a chart.
Total Withdrawn
₹72,00,000
Remaining Balance
₹69,63,401
Corpus Lasts
20y 0m
Corpus Over Time
▸Year-by-Year Schedule
| Year | Opening | Growth | Withdrawal | Closing |
|---|---|---|---|---|
| 1 | ₹50,00,000 | ₹4,01,500 | ₹3,60,000 | ₹50,41,500 |
| 2 | ₹50,41,500 | ₹4,04,944 | ₹3,60,000 | ₹50,86,444 |
| 3 | ₹50,86,444 | ₹4,08,675 | ₹3,60,000 | ₹51,35,119 |
| 4 | ₹51,35,119 | ₹4,12,715 | ₹3,60,000 | ₹51,87,833 |
| 5 | ₹51,87,833 | ₹4,17,090 | ₹3,60,000 | ₹52,44,923 |
| 6 | ₹52,44,923 | ₹4,21,828 | ₹3,60,000 | ₹53,06,751 |
| 7 | ₹53,06,751 | ₹4,26,960 | ₹3,60,000 | ₹53,73,711 |
| 8 | ₹53,73,711 | ₹4,32,518 | ₹3,60,000 | ₹54,46,229 |
| 9 | ₹54,46,229 | ₹4,38,537 | ₹3,60,000 | ₹55,24,765 |
| 10 | ₹55,24,765 | ₹4,45,055 | ₹3,60,000 | ₹56,09,820 |
| 11 | ₹56,09,820 | ₹4,52,115 | ₹3,60,000 | ₹57,01,935 |
| 12 | ₹57,01,935 | ₹4,59,760 | ₹3,60,000 | ₹58,01,695 |
| 13 | ₹58,01,695 | ₹4,68,040 | ₹3,60,000 | ₹59,09,735 |
| 14 | ₹59,09,735 | ₹4,77,007 | ₹3,60,000 | ₹60,26,742 |
| 15 | ₹60,26,742 | ₹4,86,719 | ₹3,60,000 | ₹61,53,461 |
| 16 | ₹61,53,461 | ₹4,97,236 | ₹3,60,000 | ₹62,90,697 |
| 17 | ₹62,90,697 | ₹5,08,627 | ₹3,60,000 | ₹64,39,324 |
| 18 | ₹64,39,324 | ₹5,20,963 | ₹3,60,000 | ₹66,00,287 |
| 19 | ₹66,00,287 | ₹5,34,323 | ₹3,60,000 | ₹67,74,610 |
| 20 | ₹67,74,610 | ₹5,48,791 | ₹3,60,000 | ₹69,63,401 |
Frequently Asked Questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund at regular intervals while the remaining balance stays invested and continues to grow.
Can my corpus run out?
Yes — if withdrawals exceed what the corpus earns, the balance shrinks over time. The calculator warns you if it depletes before your chosen duration.
Is the return guaranteed?
No. Returns vary with the market; the rate you enter is an assumption, so treat the result as an estimate, not advice.
Understanding the SWP Calculator
This SWP (Systematic Withdrawal Plan) Calculator estimates how a fixed regular withdrawal from a mutual fund investment plays out over time, in rupees. Given a starting corpus, an expected annual return, a withdrawal amount, and a frequency, it shows each payout and the remaining corpus after every withdrawal, plus how long the money lasts. It is useful for retirees and others wanting steady cash flow from investments. Results assume a constant return and are estimates for education and planning, not guaranteed outcomes or investment advice; actual fund returns vary.
How it works
Enter your invested corpus, expected annual return, monthly (or chosen frequency) withdrawal amount, and the time period. For each period the calculator first grows the remaining corpus by the periodic return (annual rate divided by frequency), then subtracts your fixed withdrawal. The result carries forward as the opening balance for the next period. This loop continues for the chosen tenure or until the corpus is exhausted. Because returns accrue only on the shrinking balance, withdrawals that exceed growth steadily deplete capital, while modest withdrawals may let the corpus keep rising. The schedule reveals whether your withdrawal rate is sustainable.
Worked Example
Corpus Rs 10,00,000, expected return 8% per year, withdrawal Rs 8,000 per month. Monthly return = 8%/12 = 0.667%. Month 1: 10,00,000 x 1.00667 = 10,06,667, minus 8,000 = Rs 9,98,667. Month 2: 9,98,667 x 1.00667 = 10,05,325, minus 8,000 = Rs 9,97,325. The corpus dips slowly because monthly growth (about Rs 6,650) is below the Rs 8,000 withdrawal. The calculator repeats this to show the balance trend over your full period.
Tips & Common Mistakes
- If your withdrawal exceeds periodic growth, the corpus shrinks and can run out; lower the amount to extend it.
- The expected return is an assumption, not a promise; equity returns fluctuate year to year.
- Capital gains tax and exit loads on each withdrawal are not modelled and reduce net cash received.
- Match withdrawal frequency in the tool to your actual SWP instruction (monthly, quarterly).
- Test a lower return assumption to see whether your plan survives a weak market.
Sources & Methodology
- →AMFI / Mutual Funds Sahi Hai — SWP Calculator (https://www.mutualfundssahihai.com/en/calculators/systematic-withdrawal-plan-swp-calculator)
- →SEBI — Investor education on mutual funds (https://investor.sebi.gov.in/)
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Built and maintained by TopOpenTools · Last updated June 2026. These tools provide general estimates for educational purposes only and are not financial, tax, insurance, investment, or medical advice. Verify important decisions with a qualified professional.