Withdrawal Calculator
SWP Calculator
Find out how long your corpus will last with regular monthly withdrawals — adjust the sliders and watch the numbers update live.
Total Withdrawn
Total Growth
Final Balance
Corpus Lasted
Contribution Split
Year-by-Year Breakdown
| Year | Total Withdrawn | Growth Earned | Balance |
|---|
Projection uses monthly compounding and assumes a constant return rate. Results are indicative only.
What is a SWP Calculator?
A SWP (Systematic Withdrawal Plan) calculator helps you plan a regular monthly income from an existing mutual fund corpus. You enter your total investment, the amount you wish to withdraw each month, the expected annual return, and the tenure — and the calculator shows how long your corpus will last, how much growth it will earn, and the year-by-year balance.
SWP is the mirror image of SIP: instead of building a corpus month by month, you draw it down gradually while the remaining balance continues to earn market returns. Done right, a well-sized SWP can sustain decades of withdrawals — sometimes even leaving a surplus behind. The key is ensuring your monthly withdrawal does not outpace the returns your corpus generates.
SIP vs SWP — Key Differences
| Feature | SIP | SWP |
|---|---|---|
| Direction | Invest (buy units) | Withdraw (sell units) |
| Goal | Build a corpus | Draw down a corpus |
| Ideal phase | Accumulation (working years) | Distribution (retirement) |
| Monthly cash flow | Outflow (you pay) | Inflow (you receive) |
| Primary risk | Market volatility during build-up | Sequence-of-returns risk at start |
How to Use This SWP Calculator
-
1
Enter your total corpus
This is the lumpsum you have accumulated — e.g., your retirement fund or a matured investment. Use the slider or type the value directly.
-
2
Set your monthly withdrawal
Choose an amount that covers your monthly needs. As a rule of thumb, keep withdrawal below the monthly returns the corpus earns to avoid premature exhaustion.
-
3
Set expected return and tenure
Use 8–10% for balanced or hybrid funds, or 10–12% for equity. Set the tenure to your expected retirement horizon.
-
4
Check sustainability
The status badge and year-by-year table above show whether your corpus is sustained or exhausted. Adjust withdrawal or return until the plan is sustainable.
When Should You Use SWP?
Retirement Income
Replace your salary with a steady monthly payout from your accumulated corpus, while the balance continues to grow tax-efficiently.
Systematic Profit Booking
Exit a well-performing mutual fund in phases to reduce the risk of redeeming everything at a market peak.
Post-Goal Drawdown
Once a financial goal (house, child education) is reached, use SWP to deploy the funds systematically rather than spending all at once.
Tax-Efficient Income
Unlike FD interest (taxed at slab rate), only the gains portion of each SWP instalment is taxable — making it more efficient for high-bracket investors.
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