SWP Calculator — Plan Your Systematic Withdrawals
Calculate your monthly SWP withdrawals and remaining corpus. Free online SWP calculator for mutual fund investors.
How to Use
- Enter your total corpus — the lump sum you have invested in a mutual fund.
- Enter the monthly withdrawal amount you wish to receive regularly.
- Set expected return rate and duration to see how long your money lasts and what balance remains.
Formula
Balance after each month = Previous Balance × (1 + r) − Monthly Withdrawal
Where r = Monthly return rate (Annual Rate ÷ 12 ÷ 100)
If monthly withdrawal > monthly returns, corpus depletes over time.
Ideal withdrawal: keep monthly withdrawal below (corpus × monthly_rate) to preserve capital.
Example Calculation
Example: ₹10,00,000 corpus, ₹8,000/month withdrawal at 8% p.a. for 10 years
| Parameter | Value |
|---|---|
| Initial Corpus | ₹10,00,000 |
| Monthly Withdrawal | ₹8,000 |
| Return Rate | 8% p.a. |
| Period | 10 Years |
| Total Withdrawn | ₹9,60,000 |
| Remaining Balance | ≈ ₹5,24,000 |
Frequently Asked Questions
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund investments at regular intervals (monthly/quarterly). It provides regular income while keeping the remaining corpus invested.
SWP from equity funds can provide tax-efficient income (LTCG taxed at 12.5% after ₹1.25L), whereas FD interest is taxed at your slab rate. SWP is often better for long-term wealth preservation.
Financial experts recommend a 4–6% annual withdrawal rate to ensure your corpus lasts indefinitely. This means ₹5,000–₹7,500/month on a ₹15 lakh corpus.
Yes. Units are redeemed proportional to the withdrawal amount. If NAV is high, fewer units are redeemed; if low, more units are redeemed — giving you rupee cost averaging in reverse.
Yes. SWP can be paused, modified, or stopped at any time with no exit load (subject to fund-specific rules). Remaining corpus stays invested.
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