Investment
SWP Calculator
Projects how a lump-sum corpus behaves under fixed monthly withdrawals while the remaining balance keeps growing.
Your details
₹
₹
%
yrs
Balance at the end
₹69,63,401
Total withdrawn
₹72,00,000
Your corpus lasts the full 20 years, ending with an estimated balance of ₹69,63,401 after withdrawing ₹72,00,000 in total.
Remaining balance
How this is calculated
Each month: Balance = Balance × (1 + monthly return) − withdrawal, iterated until the withdrawal period ends or the balance reaches zero.
Frequently asked questions
What is a Systematic Withdrawal Plan?
An SWP lets you withdraw a fixed amount from a mutual fund investment at regular intervals, while the rest of the corpus stays invested and keeps growing (or shrinking, if withdrawals outpace growth).
How much can I safely withdraw monthly?
As a rough starting point, keeping withdrawals below your expected annual return divided by 12 tends to preserve the corpus — this calculator shows you exactly where that line is for your numbers.
Is SWP better than a fixed pension product?
SWP offers more flexibility and potentially higher growth, but the withdrawal isn't guaranteed the way an annuity is — your corpus can run out if returns disappoint.
Are SWP withdrawals taxable?
Each withdrawal is treated as a partial redemption and taxed under capital gains rules based on the fund type and holding period.