SWP Calculator - Systematic Withdrawal Plan Returns
Calculate your SWP returns, remaining balance, and total withdrawals from mutual fund investments. Plan regular income from your investments.
Calculate SWP
Lump sum amount invested in mutual fund
Fixed amount to withdraw every month
Expected annual return from mutual fund
Duration for which you want to withdraw
Total Withdrawal
₹0
Remaining Balance
₹0
Total Returns Earned
₹0
How to Use This SWP Calculator
Using our SWP Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
Balance(n) = Balance(n-1) × (1 + r/12) - WSWP uses a reducing balance method. Each month, the remaining balance earns returns at the expected rate, and then the withdrawal amount is deducted. The process repeats until the investment period ends or the balance is exhausted.
Calculation Examples
Retirement Income Plan
₹50 Lakhs invested, ₹30,000/month withdrawal at 8% for 20 years
Total Withdrawal: ₹72 Lakhs | Remaining Balance: ₹48.2 Lakhs
Conservative Withdrawal
₹25 Lakhs invested, ₹15,000/month withdrawal at 7% for 15 years
Total Withdrawal: ₹27 Lakhs | Remaining Balance: ₹18.5 Lakhs
Short-Term Income
₹10 Lakhs invested, ₹20,000/month withdrawal at 9% for 5 years
Total Withdrawal: ₹12 Lakhs | Remaining Balance: ₹1.8 Lakhs
Benefits
- Regular income without selling entire investment
- Tax-efficient compared to FD interest
- Remaining corpus continues to grow
- Flexible withdrawal amounts
- Ideal for retirement income planning
Use Cases
- Generating monthly retirement income
- Supplementing pension with mutual fund withdrawals
- Planning regular income from inheritance
- Creating passive income stream
- Managing post-retirement cash flow
About SWP Calculator
Our SWP Calculator helps you plan systematic withdrawals from your mutual fund investments. SWP allows you to withdraw a fixed amount regularly while the remaining corpus continues to earn returns. Ideal for retirees and those seeking regular income from their investments without liquidating the entire portfolio.
Frequently Asked Questions
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals (monthly/quarterly). The remaining amount stays invested and continues to earn returns.
SWP from equity/hybrid funds can potentially offer higher post-tax returns than FD interest. Equity fund SWP held for over 1 year gets LTCG benefit (12.5% above ₹1.25L), while FD interest is taxed at your slab rate.
If your monthly withdrawal is higher than the monthly returns generated, your capital will gradually deplete. It's recommended to keep withdrawals at 6-8% annually of your corpus to sustain the investment long-term.
Yes, most mutual fund houses allow you to modify or stop your SWP at any time. You can increase, decrease, or pause withdrawals based on your needs without any penalty.