SWP Calculator
Value at the end
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- Total withdrawn
- Final value
- Total investment
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- Total withdrawn
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- Final value
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- Withdrawals last
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Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.
Year-by-year breakdown
| Year | Withdrawn in the year | Total withdrawn | Balance at year end |
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About the SWP calculator
A Systematic Withdrawal Plan (SWP) pays you a fixed amount from your mutual fund investment every month, while the rest stays invested. It is popular with retirees who want a regular income.
This calculator shows how much you would withdraw, what would remain at the end, and whether the money lasts the full period.
How to use it
- Move the sliders, or type a value into each box.
- Watch the results and chart update as you go.
- Try different assumptions to see what changes the outcome most, then talk to us about a plan.
The formula
Each month: balance = (balance − withdrawal) × (1 + i)
- The withdrawal is taken at the start of the month
- i: monthly return (annual rate ÷ 12 ÷ 100)
- Withdrawals stop if the balance runs out
Example
Investing ₹10,00,000 and withdrawing ₹8,000 a month for 10 years at an expected 8%: you withdraw ₹9,60,000 in total, and about ₹7,46,315 could remain.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
SWP Calculator: common questions
If your withdrawals are higher than what the investment earns, the balance shrinks. Keeping the yearly withdrawal below the expected return helps your money last longer.
Each withdrawal is treated as a partial redemption, so only the gains portion is taxed, as capital gains. Tax rules change, so please check the current rules or ask us.
Yes. You can usually change, pause or stop an SWP by submitting a request to the fund house.
Want a plan, not just a number?
Book a free financial checkup and we'll turn these estimates into a plan that fits your life.