SWP Calculator
Your result will appear here
SWP Calculator summary
Calculation schedule
Figures may be rounded for display.
Saved calculations
Saved only in this browser on this device.
SWP calculator formula
For each period, the calculator applies the chosen growth and removes the planned withdrawal. It repeats this until the time ends or the balance reaches zero.
Rate for one period = (1 + yearly return)^(1 ÷ withdrawals per year) − 1 End-of-period balance = opening balance × (1 + period rate) − withdrawal Next year’s withdrawal = current withdrawal × (1 + yearly increase)
If a withdrawal is more than the money left, the last withdrawal is limited to the remaining balance.
Real market returns do not arrive smoothly. Losses early in the plan can make the money finish sooner.
Example with numbers
Start with ₹10,00,000 and withdraw ₹10,000 at the end of every month for 10 years. At a steady 8% yearly return, total withdrawals are ₹12,00,000 and the estimated balance left is about ₹3,57,682.
What is an SWP calculator?
SWP means Systematic Withdrawal Plan. It is a way to redeem money from an investment at regular times.
This calculator shows how repeated withdrawals may affect the remaining corpus. It does not treat every withdrawal as profit because some of it may be your own capital.
How to use the SWP calculator
- Enter the starting investment and each withdrawal amount.
- Choose monthly, quarterly or yearly withdrawals.
- Enter the time and expected yearly return.
- Calculate, then check total withdrawn, ending balance and the year-by-year path.
What the results mean
- Total withdrawn: all withdrawals actually paid by the model.
- Estimated ending balance: money left at the end of the chosen time.
- Estimated growth: the growth added before withdrawals.
- Corpus status: whether money remains or runs out in the model.
How this SWP calculator works
The opening balance earns the chosen period return, then the withdrawal is removed. If you choose start-of-period timing, those two actions happen in the opposite order.
You can also raise the withdrawal once a year. The schedule shows when the withdrawal changes and how the balance responds.
Why an SWP calculator is useful
- It shows withdrawals and the remaining investment together.
- It can test level or rising withdrawals.
- It warns when the balance runs out.
- Charts and yearly data make different cases easier to compare.
Why the real SWP result may be different
Markets may fall near the start of the plan. Selling more units after a fall can reduce how long the corpus lasts.
NAV dates, exit load, tax, fund expenses and skipped withdrawals also matter. The actual fund statement will not follow one steady return.
Sources
- SEBI Investor: mutual-fund and annuity calculators
- AMFI: investor information and mutual-fund basics
Rule and source review: Withdrawal cash-flow method reviewed 31 August 2026. Return and withdrawal growth are user assumptions.
Disclaimer
This SWP calculator is an illustration, not a promise of regular income or how long money will last. Returns can be negative and withdrawals can reduce capital. Check fund rules, tax and your actual statement before acting.
Frequently asked questions
What is an SWP?
An SWP is a facility for taking money from an investment at regular times.
Does an SWP pay fixed interest?
No. A mutual fund SWP sells units. The amount taken out can include both gain and your original money.
Can my SWP corpus become zero?
Yes. It can run out if withdrawals and losses are too large for the starting corpus.
Can withdrawals rise with inflation?
You can enter a yearly increase in Advanced options to test a rising withdrawal.
Why does withdrawal timing matter?
A withdrawal made at the start leaves less money invested during that period.