SWP Calculator

SWP (Systematic Withdrawal Plan) calculator — see how long your corpus lasts and how much you earn

What is an SWP? You invest a lump sum once, then withdraw a fixed amount every month — like giving yourself a salary from your own money. The rest stays invested and keeps growing.
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Remaining corpus
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— withdrawn — remaining

What is a Systematic Withdrawal Plan?

A Systematic Withdrawal Plan (SWP) lets you regularly withdraw a fixed amount from your mutual fund investment — monthly, quarterly, or yearly. You choose the date; the AMC transfers the amount directly to your registered bank account. The rest of your corpus stays invested and continues to earn returns.

How Does the SWP Calculator Work?

Enter four inputs and the calculator instantly shows you projected results:

1
Total Investment Amount — the lump sum you invest upfront
2
Monthly Withdrawal — fixed amount you want to receive each month
3
Expected Annual Return — the rate at which your corpus grows
4
Investment Tenure — how many years you plan to withdraw

The calculator uses monthly compounding — each month, your remaining corpus earns interest, and then your withdrawal is deducted. This matches the standard used by mutual fund houses.

The Formula

A = PMT × [ ((1 + r/n)nt − 1) ÷ (r/n) ]
A Final value of your investment
PMT Withdrawal amount per period
r Annual rate of return
n Compounding frequency (12 for monthly)
t Investment duration in years
Example: ₹5,00,000 corpus · ₹8,000/month withdrawal · 12% p.a. · 5 years
Total invested: ₹5,00,000 Total withdrawn: ₹4,80,000 Final value: ₹2,38,441

Why Use an SWP Calculator?

Financial Planning

Decide the right withdrawal amount and frequency that aligns with your income needs and financial goals.

Realistic Expectations

See exactly how long your corpus lasts and how much income it generates — no guesswork.

Avoid Impulsive Withdrawals

Stay disciplined during market dips by having a pre-planned withdrawal schedule.

Optimise Cash Flow

Adjust amount and frequency to match your monthly expenses while keeping your corpus intact.

Frequently Asked Questions

SWP can be an excellent option for generating regular cash flow from your investments — especially for retirees or anyone needing a steady monthly income. However, the suitability depends on your risk tolerance, liquidity needs, and the type of mutual fund you choose. Equity funds carry market risk, while debt funds offer more stability. It's best to consult an advisor before setting up an SWP.

The calculator gives a close estimate based on your inputs using the standard monthly compounding formula used by AMCs. However, actual returns will vary depending on market performance. The expected rate of return you enter is an assumption — real mutual fund returns are not guaranteed and can fluctuate. Use the results as a planning guide, not a guarantee.

The calculator uses monthly compounding — each month, the remaining corpus earns interest (annual rate ÷ 12), and then the withdrawal is deducted. This follows the standard convention used by mutual fund houses and official calculators: withdraw first, then grow. The formula is A = PMT × [((1 + r/n)^nt − 1) ÷ (r/n)], where r is annual return, n is 12, and t is tenure in years.

SWP is most suitable when you have a large lump sum and need a regular income stream — retirement planning being the most common use case. It's also useful for supplementing salary income, funding children's education fees on a periodic basis, or managing post-retirement medical expenses. The key is ensuring the withdrawal amount doesn't outpace the returns your corpus earns.

Yes — just adjust the four sliders (corpus, monthly withdrawal, expected return, and time period) and the results update instantly. You can also type directly into the value fields. The calculator tells you in plain language whether your corpus is sustainable and how much you'll have left at the end of the period.