SWP Calculator

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) is the opposite of a SIP. Instead of investing a fixed amount every month, you withdraw a fixed amount every month from your mutual fund corpus. The remaining corpus continues to earn returns. SWPs are widely used for retirement income, supplementing a salary, or drawing down accumulated wealth in a controlled way. The calculator shows how long your corpus will last and what the closing balance will be at every step.

How to use the SWP Calculator

1. Enter your starting corpus. The total amount currently in your mutual fund, for example ₹50 lakh.
2. Set the monthly withdrawal. The fixed amount you want to take out each month.
3. Set the expected annual return. A balanced fund yielding 8-10% is a common assumption for SWP planning.
4. Set the tenure or auto-detect depletion. Choose a fixed number of years, or let the calculator show when the corpus runs out.
5. Review the year-by-year table. See remaining balance, withdrawals taken and returns earned each year.

Why an SWP is useful

• Predictable monthly income. Your bank account receives the same amount each month, like a salary.
• Better tax efficiency than dividends. SWP withdrawals from equity funds qualify for LTCG/STCG tax, often lower than slab.
• Corpus keeps growing. The remaining balance continues to earn returns between withdrawals.
• Flexible. You can change the withdrawal amount or stop anytime.
• Ideal for retirement. Pair with the Retirement Calculator to plan how much corpus and how much SWP you need.

Related guides and calculators

• SWP guide: how it works
• Retirement Planning Guide
• Retirement Calculator
• Mutual Fund Tax Calculator