SWP Calculator
Plan regular withdrawals from your investment corpus with this SWP calculator. See your remaining balance and total withdrawn over the chosen period.
Formula last reviewed 4 August 2026 · How we verify our calculators
Balance remaining
- Total withdrawn
- ₹12,00,000
- Starting corpus
- ₹10,00,000
Updates live as you type
Frequently asked questions
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment at regular intervals while the remaining balance stays invested and continues to grow.
Retirees and anyone needing a steady income stream from a lump sum. It can provide regular cash flow while keeping the unwithdrawn corpus working for you.
Yes. If your withdrawal rate exceeds the growth rate, the balance shrinks over time. This calculator shows whether your corpus survives the chosen period.
Each withdrawal is treated as a partial redemption, so only the gain portion is taxed as capital gains. This is often more tax-efficient than fully taxable interest income.
You can withdraw more than you started with and still not run out
That's not a typo: pull ₹10,000 a month out of a ₹10,00,000 corpus earning 8% a year, and after 10 years you've withdrawn a total of ₹12,00,000 — more than the entire starting amount — yet ₹3,90,180 is still sitting in the account. A Systematic Withdrawal Plan (SWP) makes this possible because the money you haven't withdrawn yet keeps earning returns every single month, partially replacing what you take out.
How the balance actually moves, month by month
There's no closed-form formula for this the way there is for a lump-sum or SIP calculation, because a withdrawal every month changes the exact base the next month's growth is calculated on. So this calculator simulates it directly: each month, it applies your expected monthly return to whatever balance remains, then subtracts your fixed withdrawal — and repeats that for every month in your chosen period. If the balance would ever go negative, it's held at zero instead, so the tool can tell you plainly whether a given corpus survives the full withdrawal period or runs dry before it.
The number that decides everything: withdrawal rate versus growth rate
Whether an SWP lasts comes down to one comparison — is your withdrawal rate above or below what the corpus is actually earning? Stay under it and the balance can hold steady or even keep growing while you draw a monthly income; push above it and the corpus depletes, often faster than intuition suggests, because every withdrawal also permanently removes that rupee's ability to compound further. Before trusting a plan built on this calculator, rerun it with a noticeably lower return assumption than you expect — a downturn in the early years of a withdrawal plan does outsized, permanent damage that a smooth average return figure will never show you. This is precisely why SWPs are a staple retirement tool: they turn a lump sum into a monthly income stream while whatever remains keeps working.