₹10,00,000
Initial Investment
Starting corpus
SWP Calculator
Plan regular withdrawals from
your investment corpus
A Systematic Withdrawal Plan (SWP) redeems part of your investment at regular intervals while the remaining corpus stays invested. Explore how monthly withdrawals and assumed returns affect your balance over time.
- Plan monthly
withdrawals - Track remaining
corpus - Explore your
withdrawal period
Your SWP Details
₹
₹10,000₹10,00,00,000
₹
₹100₹10,00,000
%
0 %30 %
years
1 years40 years
Your Results (Estimated)
₹16,53,413
Total Withdrawals
Capped at available balance
₹6,53,413
Estimated Growth
Growth from compounding
₹0
Remaining Corpus
After 20 years
Corpus exhausted in month 166 (year 14). Total withdrawals reflect only the available balance; no further withdrawals are possible after exhaustion.
Portfolio Value Over 20 Years
Initial investmentRemaining corpus
Year-wise Breakdown
| Year | Annual Withdrawals | Total Withdrawals | Annual Growth | Remaining Corpus |
|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,20,000 | ₹78,500 | ₹9,58,500 |
| 5 | ₹1,20,000 | ₹6,00,000 | ₹62,910 | ₹7,55,077 |
| 10 | ₹1,20,000 | ₹12,00,000 | ₹34,945 | ₹3,90,180 |
| 15 | ₹0 | ₹16,53,413 | ₹0 | ₹0 |
| 20 | ₹0 | ₹16,53,413 | ₹0 | ₹0 |
Illustration assuming 8% nominal annual return, compounded monthly, with withdrawals at the end of each month. Withdrawals stop when the corpus is exhausted. Returns are not guaranteed. Taxes, fees and inflation are excluded. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
How SWP Works
Explore the balance between regular withdrawals and the money that remains invested.
Set your corpus
Enter the initial investment available for withdrawals.
Choose withdrawals
Set a fixed monthly amount and withdrawal period.
Estimate growth
Choose an assumed annual return for the remaining balance.
Review your balance
See estimated withdrawals, growth and the corpus left each year.
Monthly closing balance = opening balance × (1 + annual return / 1,200) − withdrawal, with each withdrawal capped at the available balance. The model assumes constant returns; actual market performance varies. Learn more about mutual funds.
Benefits and Considerations
An SWP can help organise regular cash flow, but the withdrawal amount needs to be considered alongside the available corpus and investment risk.
Regular cash flow
Scheduled redemptions can help plan recurring expenses while a balance remains available.
Remaining money stays invested
The unwithdrawn portion can participate in market growth, and can also lose value.
Capital can be depleted
Withdrawals that exceed growth reduce the corpus. Early market losses can make it run out sooner.
Review assumptions
Inflation reduces purchasing power. Taxes, fees and exit loads can affect actual outcomes and are excluded here.
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP lets you withdraw a chosen amount from a mutual fund investment at regular intervals by redeeming units. The remaining balance stays invested. Withdrawals may include your original capital as well as investment gains.
How does this SWP calculator work?
Each month, the calculator applies the expected annual return divided by 12 to the opening balance, then deducts the monthly withdrawal. It repeats this for the selected period. The annual rate is nominal and compounded monthly; withdrawals occur at month-end.
What happens if my corpus runs out?
The final withdrawal is limited to the available balance. The calculator shows the month of exhaustion and keeps the remaining corpus and subsequent withdrawals at zero. Total withdrawals can therefore be lower than the amount you planned.
Are SWP withdrawals guaranteed returns?
No. A withdrawal redeems part of your investment and is not the same as a return. Market movements affect the balance, and regular withdrawals can deplete your original capital. The default 8% return is an illustration, not a forecast or recommendation.
What does estimated growth mean?
Estimated growth is the sum of the modelled monthly gains, including gains later withdrawn. Initial investment plus estimated growth equals total withdrawals plus remaining corpus, apart from display rounding. At 0% return, withdrawals simply reduce the initial investment.
Does this estimate include tax, exit loads or inflation?
No. Taxes, fees, exit loads and inflation are excluded. The withdrawal amount stays fixed throughout the projection. Actual returns vary, and the order of market gains and losses can change how long the corpus lasts.
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