SWP Calculator

Calculate your Systematic Withdrawal Plan returns — understand monthly income, remaining balance, and total returns from your mutual fund investments.

—

Monthly Withdrawal

Annual Return

Years Duration

Depleted

SWP Investment Calculator

Initial Investment

₹

₹10K₹5Cr

Monthly Withdrawal

₹

₹1K₹5,00K

Expected Annual Return

1%15%

Investment Duration

years

1 yr40 yrs

Inflation Adjustment

Adjust withdrawals for inflation (increase by X% yearly)

Initial Investment

—

Starting amount

Total Withdrawn

—

Over X months

Total Returns

—

Interest earned

Final Balance

—

At end of period

Balance Over Time

Withdrawal vs Balance

Detailed Breakdown

Month	Opening Balance	Interest Earned	Withdrawal	Closing Balance

SWP vs Fixed Deposit Comparison

SWP (Your Scenario)

Initial Investment:—

Monthly Withdrawal:—

Total Withdrawn:—

Final Balance:—

FD (Fixed Deposit)

Initial Investment:—

Monthly Interest:—

Total Interest:—

Final Balance:—

Goal-Based Withdrawal Calculator

How much corpus do you need to withdraw a specific amount monthly?

Required Monthly Amount

₹

Duration (Years)

Share Results

About Systematic Withdrawal Plan (SWP)

A Systematic Withdrawal Plan (SWP) is an investment strategy where you withdraw a fixed amount from your mutual fund investment at regular intervals (monthly, quarterly, or annually). The remaining amount continues to earn returns, making it an ideal tool for generating regular income from your investments.

Key Benefits of SWP

Regular Income: Receive fixed withdrawals at predetermined intervals
Continued Growth: Remaining balance continues to compound and grow
Tax Efficiency: Only withdrawn amount is subject to tax, not the entire balance
Flexibility: Can stop, modify, or pause withdrawals
Disciplined Investing: Makes you a systematic investor with regular discipline

SWP vs Lump Sum Withdrawal

SWP: Withdraw fixed amounts periodically; remaining continues to grow. Better for long-term income generation.

Lump Sum: Withdraw entire amount at once; no further growth potential. Good for emergency needs only.

How This Calculator Works

This calculator simulates your SWP over time by:

Calculating monthly returns on your opening balance
Deducting your fixed monthly withdrawal
Repeating this for each month during your investment period
Tracking balance changes and showing when corpus depletes (if applicable)
Providing year-wise breakdowns and visual charts