SWP Calculator
Plan a steady monthly withdrawal from a corpus.
Illustrative only — assumes a constant return and steady contributions. Actual mutual-fund returns vary and are not guaranteed. Not investment advice.
About the SWP Calculator
An SWP (Systematic Withdrawal Plan) calculator shows how long your invested corpus can fund regular monthly withdrawals, and what balance is left over time, while the remaining amount keeps earning returns. Useful for planning retirement or a steady monthly income.
How it’s calculated
Each month the calculator adds the return earned on your remaining balance, then subtracts your fixed withdrawal. If your withdrawals are smaller than the returns, the corpus can even keep growing; if larger, it gradually depletes. The result shows the ending balance and total withdrawn.
Each month: Balance = Balance × (1 + i) − Wi = monthly return (annual rate ÷ 12 ÷ 100), W = fixed monthly withdrawal. The step repeats for the full tenure to project the ending balance.
Frequently Asked Questions
What is an SWP in mutual funds?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual-fund investment at regular intervals (usually monthly) while the remaining units stay invested and continue to earn returns — a popular way to draw a steady income.
How does an SWP work?
Each period the fund earns a return on your remaining balance, then your fixed withdrawal is deducted. The calculator repeats this month by month to show how long the corpus lasts and what is left at the end.
Is SWP better than a fixed deposit for monthly income?
An SWP keeps the unwithdrawn corpus invested, so it can earn market returns and may be more tax-efficient than FD interest, but it carries market risk. An FD gives fixed, guaranteed returns. The right choice depends on your risk appetite.
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