What is the SWP Calculator?
A systematic withdrawal plan (SWP) lets you take a fixed amount from a mutual fund every month while the rest stays invested. This calculator shows how much you withdraw in total, what balance is left, and whether the money runs out before the end of your chosen period.
Enter your total investment, the monthly withdrawal, the expected yearly return and the number of years. You can add a yearly increase in the withdrawal. The year-by-year table lists withdrawals and the balance at each year end, with a small bar showing how the balance changes.
How to use it
- 1
Enter the investment
Set the total amount invested in the fund.
- 2
Set the withdrawal
Choose the monthly amount you want to take out.
- 3
Set return and period
Enter the expected yearly return and the years.
- 4
Optional increase
Add a yearly percentage rise in the withdrawal.
- 5
Read the result
Check final balance, total withdrawn and any run-out month.
Features
Corpus run-out warning
If the balance cannot cover a withdrawal, the page tells you in which month the money runs out.
Yearly increase
Raise the withdrawal each year to match rising costs.
Year-by-year table
See the amount withdrawn, total withdrawn and balance for every year.
Clear method
Monthly rate is annual return ÷ 12, and the withdrawal is taken at the start of each month.
Popular uses
Retirement income
Test whether a corpus can fund a monthly income for 20 or 30 years.
Choosing a safe withdrawal
Try different amounts until the corpus lasts.
Comparing with SIP
Use it together with a SIP calculator to plan the build-up and the payout.
Frequently asked questions
What is an SWP?
A systematic withdrawal plan is a facility in which you redeem a fixed amount from a mutual fund at regular intervals while the remaining units stay invested.
How does the calculator work out the balance?
Each month the withdrawal is taken first, then the remaining balance grows by the annual return ÷ 12. This repeats for every month of the period.
What if my money runs out?
The page shows the month in which the balance cannot cover the full withdrawal and the balance falls to zero.
Does it include tax?
No. Capital gains tax, exit load and fund expenses are not included, and returns are not guaranteed. It is an estimate only, not financial advice.