SWP Calculator

See how a lump sum grows or depletes as you withdraw a fixed amount every month.

₹
₹
%
Yr
Total Withdrawn

₹14,40,000

Balance Remaining

₹11,38,157

What is an SWP Calculator?

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an existing investment at regular intervals, while the remaining balance keeps earning returns. An SWP calculator projects whether your corpus can sustain your withdrawals for as long as you need it to, or whether it runs out early.

This is commonly used by retirees drawing a regular “income” from a mutual fund investment, but it's equally useful for anyone testing whether a savings plan can support ongoing withdrawals.

Things That Affect How Long It Lasts

  • ✓A higher withdrawal amount depletes the corpus faster, even at the same return rate.
  • ✓Returns that outpace your withdrawal rate can let the balance grow even while you withdraw.
  • ✓Small changes in expected return make a large difference over long withdrawal periods.

Frequently Asked Questions

Can my SWP corpus run out before I expect?+

Yes — if your monthly withdrawal exceeds what your expected returns can sustain, the calculator will show the corpus depleting before your target time period ends.

Is SWP better than withdrawing a lump sum?+

SWP lets the remaining balance continue earning returns and can be more tax-efficient than a single large withdrawal, but the right choice depends on your specific needs.

Can I change my withdrawal amount later?+

Yes, most mutual funds let you modify or stop an SWP at any time.