SWP Calculator
Plan a steady monthly income from your corpus — and see how long it lasts.
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your mutual fund investment every month while the balance keeps earning returns. This calculator shows your total withdrawals, the closing balance, and whether your corpus lasts the full period — perfect for retirement or passive-income planning.
How this calculator works
Enter your total corpus, the monthly amount you want to withdraw, the expected annual return, and the number of years. The calculator compounds the balance monthly and subtracts each withdrawal, then shows the total withdrawn and the remaining balance (or warns if the corpus runs out early).
The formula
Balance = P × (1 + i)^n − W × ({[(1 + i)^n − 1]} / i)- P
- = Initial corpus
- W
- = Monthly withdrawal
- i
- = Monthly return (annual ÷ 12 ÷ 100)
- n
- = Number of months
The first term grows your corpus; the second subtracts the future value of your withdrawals. A negative result means the corpus is exhausted before the period ends.
Worked example
You withdraw ₹54 lakh over 15 years and still have a healthy closing balance — because the corpus keeps earning more than you withdraw.
Key benefits
- Creates a predictable monthly cash-flow
- More tax-efficient than dividends for many investors
- Remaining corpus keeps compounding
- Withdrawal amount and frequency are fully flexible
Smart tips
- Keep withdrawals below your expected return to preserve capital
- Start with a 4–6% annual withdrawal rate for longevity
- Use debt/hybrid funds for lower volatility on the withdrawal corpus
- Review the plan yearly and adjust for inflation