SWP Calculator

Calculating your SWP takes less than a minute:

1. Enter the total investment amount you've already invested in a mutual fund.
2. Enter the monthly withdrawal amount you wish to receive.
3. Enter the expected annual rate of return on your remaining invested corpus.
4. Select the withdrawal duration in years.
5. Click Calculate to instantly see your remaining corpus, total withdrawals, and how long your investment will last.

The calculator also shows whether your investment will be fully depleted or will continue growing despite regular withdrawals.

SWP (Systematic Withdrawal Plan) is the opposite of a SIP — instead of investing a fixed amount regularly, you withdraw a fixed amount from your mutual fund investment at regular intervals, usually monthly. The remaining invested amount continues to grow based on market returns.

SWP is commonly used by retirees and investors who want a steady monthly income stream from their accumulated corpus, while still keeping the remaining amount invested and potentially growing.

Each month, a fixed amount is redeemed from your mutual fund units and credited to your bank account. The remaining units continue to remain invested and are subject to market-linked returns. Over time, your corpus changes based on two opposing forces:

• Withdrawals — Reduce your invested corpus every month.
• Returns — Grow your remaining corpus based on the fund's performance.

If your withdrawal rate is lower than your investment's growth rate, your corpus can actually continue growing even while you withdraw from it. If withdrawals exceed growth, the corpus will gradually deplete over time.

The remaining corpus after each withdrawal is calculated month by month using the following logic:

Remaining Corpus = (Previous Corpus − Withdrawal) × (1 + monthly return rate)

This calculation is repeated for each month over the withdrawal period to determine how the corpus changes over time, factoring in both the regular withdrawals and the returns generated on the remaining balance.

For example, if you invest ₹20,00,000 and withdraw ₹15,000 per month at an expected annual return of 8%, your corpus could potentially last well beyond 20 years, with the remaining balance still growing due to returns outpacing withdrawals.

SWP offers several advantages, especially for retirees and income-focused investors:

1. Regular Income — Provides a predictable, steady monthly cash flow, similar to a pension.
2. Tax Efficiency — Withdrawals are typically more tax-efficient than dividend payouts, since only the gains portion of each withdrawal is taxed, not the entire amount.
3. Continued Growth Potential — Your remaining corpus stays invested and can continue to grow, unlike a fixed deposit where the entire amount is locked at a fixed rate.
4. Flexibility — You can adjust, pause, or stop your withdrawal amount based on your changing financial needs.

Our calculator helps you plan a sustainable withdrawal strategy by allowing you to:

• Get instant, accurate projections of how your corpus changes over time
• Find out exactly how long your investment will last at your chosen withdrawal rate
• Compare different withdrawal amounts to find a sustainable rate for your needs
• Plan a reliable income stream for retirement or other financial goals