Skip to content
CalcGlass

Finance & Investment · Mutual Funds & SIP

SWP Calculator

Plan a Systematic Withdrawal Plan (SWP): withdraw a fixed — or yearly rising — amount every month from your mutual fund corpus and see the balance left, the total you'll receive, and whether the money runs out before the period ends.

Also listed inRetirement Planning

Your inputs

Quick start — try a typical case

₹ 50 lakh

₹ 30 thousand

%
years

Your result Live

Balance Left After 15 years

₹78,38,043

After withdrawing ₹54,00,000 in total

Total Withdrawn
₹54,00,000
Final Balance
₹78,38,043
Withdrawal Rate (year 1)
7.2% of the investment
Gain Over Investment
₹82,38,043
  • Withdrawn · 41%₹54,00,000
  • Still invested · 59%₹78,38,043
Balance over time

Year-by-year

15 rows
YearMonthly withdrawalWithdrawn this yearTotal withdrawnBalance at year end
Year 1₹30,000₹3,60,000₹3,60,000₹50,93,807
Year 2₹30,000₹3,60,000₹7,20,000₹51,96,414
Year 3₹30,000₹3,60,000₹10,80,000₹53,08,645
Year 4₹30,000₹3,60,000₹14,40,000₹54,31,405
Year 5₹30,000₹3,60,000₹18,00,000₹55,65,681
Year 6₹30,000₹3,60,000₹21,60,000₹57,12,553
Year 7₹30,000₹3,60,000₹25,20,000₹58,73,202
Year 8₹30,000₹3,60,000₹28,80,000₹60,48,921
Year 9₹30,000₹3,60,000₹32,40,000₹62,41,124
Year 10₹30,000₹3,60,000₹36,00,000₹64,51,357
Year 11₹30,000₹3,60,000₹39,60,000₹66,81,311
Year 12₹30,000₹3,60,000₹43,20,000₹69,32,837

Each withdrawal is part capital and part gains; only the gains part is taxed, which usually makes SWPs tax-efficient compared with interest income.

An estimate from the assumptions you entered, not a guaranteed outcome.

How this is calculated

Each month: Balance = Balance × (1 + r/12) − W; W rises by g every 12 months

r
Expected annual return (divided by 12, as fund-house SWP calculators do)
W
Monthly withdrawal
g
Yearly increase in the withdrawal

An SWP redeems units worth your chosen amount every month while the rest stays invested and keeps earning. If the withdrawal is less than what the corpus earns, the balance can even grow; if it is more, the corpus slowly runs down. Raising the withdrawal with inflation keeps your income's buying power but uses the corpus faster.

Assumptions & sources

  • Constant return credited monthly (annual rate ÷ 12); withdrawals at the end of each month.
  • Taxes, exit loads and expense changes are not deducted.
  • If the balance can't cover a withdrawal, what's left is paid and withdrawals stop.
  1. 1Mutual fund investor education (SIP, lumpsum, risk) — AMFI — Association of Mutual Funds in India
  2. 2Investor education material — SEBI — Securities and Exchange Board of India
  3. 3CFA Program Curriculum — Quantitative Methods: The Time Value of Money — CFA Institute

Calculator ID FIN-INV-SWP-001 · version 1.0.0

Common questions

How much can I withdraw safely?

If the yearly withdrawal is below the expected return, the corpus should last indefinitely (in money terms). To keep pace with inflation as well, withdraw less than the return minus inflation.

How is SWP taxed in India?

Each redemption contains capital and gains. Only the gain part is taxed as capital gains — by holding period and fund type — which is often lower tax than interest from an FD.

SWP or dividend option?

An SWP gives a fixed, predictable amount on dates you choose. Dividend (IDCW) payouts vary, aren't guaranteed and are taxed fully as income.