SWP Calculator - Plan Your Systematic Withdrawal Online SWP Calculator

Use our free SWP calculator to plan your Systematic Withdrawal Plan. Find out how long your corpus lasts, total withdrawals, returns earned and remaining balance.

Withdrawal Details

%
yrs
Step-Up Configuration
  • Percentage (%)
  • Fixed Amount
  • Yearly
  • Monthly
0 = No step-up increase

Your Results

Total Withdrawn
0
Total Returns Earned
0
Final Corpus
0

Withdrawal Breakdown

Year Monthly Withdrawal Yearly Withdrawn Annual Returns Total Withdrawn Total Returns Remaining Corpus

What is SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund corpus at regular intervals (typically monthly). It is commonly used as a retirement income strategy — your remaining corpus continues to earn returns while you periodically withdraw funds.

Benefits of SWP

  • Regular Income: Generate a steady monthly income from your existing corpus — ideal for retirees.
  • Corpus Growth: The uninvested portion continues to earn market returns, extending the life of your corpus.
  • Tax Efficiency: Only the gains portion of each withdrawal is taxed, unlike fixed deposits where all interest is taxable.
  • Flexibility: You can adjust the withdrawal amount or pause SWP at any time based on your needs.
  • Inflation Hedge: Market-linked returns can help offset inflation over the long term.

Calculation Formula

Monthly Interest = Remaining Corpus × (Annual Return ÷ 12 ÷ 100)

End of Month Corpus = Corpus + Monthly Interest − Monthly Withdrawal

Key Points:

  • Interest is calculated on the remaining corpus each month
  • If the corpus drops to 0, withdrawals stop automatically
  • Higher returns mean the corpus lasts longer

How Our SWP Calculator Works

  1. Total Corpus: Enter your initial investment or retirement corpus.
  2. Monthly Withdrawal: The fixed amount you plan to withdraw each month.
  3. Expected Annual Return: The estimated annual return your corpus earns (e.g., 7–10% for balanced funds).
  4. Withdrawal Period: The number of years you plan to withdraw for.
  5. Year-wise Breakdown: See how the corpus, withdrawals, and returns evolve year by year.
  6. Corpus Exhaustion: The calculator alerts you if your corpus runs out before your target period ends.