SWP Calculator
Total Investment
Withdrawal per Month
Expected Return Rate (Per annum)
Time Period (in Years)
Total Investment
₹5,00,000
Total Withdrawal
₹6,00,000
Final Value
₹10,154
Total Withdrawal
Final Value
Use this free SWP calculator to see how long a lump of money can pay you a regular monthly income. Enter how much you invest, how much you want to withdraw every month, the annual return you expect and for how many years. The calculator shows the total you would withdraw, the value left at the end, and warns you if the money would run out.
What is a systematic withdrawal plan (SWP)?
A Systematic Withdrawal Plan lets you take out a fixed amount from a mutual fund at regular intervals, usually every month, while the rest of your money stays invested. It is a popular way to turn savings into a steady income, for example after retirement, while the remaining balance keeps earning returns.
How does the SWP calculator work?
The calculator works month by month. Each month your balance earns one month's return (the annual rate ÷ 12), and then your withdrawal is taken out at the end of the month. For a fixed period this gives the same result as the standard formula:
FV = P × (1 + i)n − W × ({(1 + i)n − 1} ÷ i)
Here FV is the value left at the end, P is the amount you invest, W is the monthly withdrawal, i is the monthly rate of return and n is the number of months. If the balance reaches zero before the period ends, the calculator stops there and tells you when the money runs out.
SWP calculation example
Say you invest ₹5,00,000, withdraw ₹10,000 every month and expect an 8% annual return. Over 5 years you would withdraw ₹6,00,000, which is ₹1,00,000 more than you put in, and still have about ₹10,154 left. Keep the same withdrawals going and the money runs out after 5 years and 2 months, because you are taking out more each month than the balance earns.
How to use this SWP calculator
1. Total investment: the amount you invest at the start, typed in or set with the slider.
2. Withdrawal per month: the income you want to take out every month.
3. Expected return rate and time period: the yearly return you expect and how long you want the withdrawals to last. The results update instantly.
Benefits of an SWP
Regular income: a fixed amount reaches your bank account every month, which makes planning household expenses easier.
Your money keeps working: only what you withdraw leaves the fund; the rest stays invested and can keep growing.
Tax on gains only: each withdrawal is part capital and part gain, and only the gain portion is taxed, which can be more tax-efficient than interest income.
How long will my money last?
The key number is your withdrawal rate. If you take out less each month than your balance earns, the balance can last indefinitely and even grow. If you take out more, it shrinks faster every year. Try a lower withdrawal or a longer period in the calculator until the final value stays positive, and keep some room for years when returns are lower than expected.
What this calculator doesn't include
The results are estimates, not a promise. Returns are not fixed and can be negative in some years, which matters more when you are withdrawing. The calculator assumes the same return every month and doesn't deduct expense ratios, exit loads or tax, and it doesn't adjust withdrawals for inflation.
SWP calculator FAQs
What is an SWP calculator?
It estimates how a lump of money invested in a mutual fund changes when you withdraw a fixed amount from it every month: how much you take out in total, what is left at the end and whether the money runs out.
How much can I withdraw every month without running out?
Roughly, if your monthly withdrawal is less than the monthly return on your balance, the balance can keep growing. Try lower withdrawals or a longer period in the calculator until the final value stays above zero.
Are SWP withdrawals taxed?
Each withdrawal is treated as a redemption of units, so only the gain portion is taxed as capital gains, depending on the fund type and how long the units were held. The calculator shows amounts before tax.
What is the difference between an SWP and a SIP?
A SIP puts a fixed amount into a fund every month; an SWP takes a fixed amount out every month. People often build a corpus with a SIP and later draw an income from it with an SWP.
Is the return guaranteed?
No. Mutual fund returns change from year to year and can be negative. The calculator assumes a steady return, so treat the result as an estimate.
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