Calculate your monthly withdrawal amount, how long your investment corpus will last, and the remaining balance with this free SWP calculator.
Detailed period-by-period balance, accrued growth, and withdrawal schedule
| Period | Opening Balance | Withdrawal | Growth Earned | Closing Balance |
|---|
A Systematic Withdrawal Plan (SWP) allows mutual fund investors to redeem a fixed sum of money at regular monthly intervals while the remaining balance continues to earn market returns.
An online utility that models monthly drawdown cash flows, total capital withdrawn, tax efficiency, and remaining corpus longevity over chosen retirement horizons.
Calculated for an initial corpus of ₹50,00,000 withdrawing ₹30,000 / month at 10% expected return over 10 years:
Input your initial mutual fund investment lump sum.
Specify target monthly withdrawal sum and fund return rate %.
Review remaining fund balances and interactive drawdown trajectory.
An SWP allows you to withdraw a fixed sum from your mutual fund portfolio at regular intervals (monthly, quarterly, or annually), creating a predictable monthly income after retirement.
Unlike liquidating an entire investment, the remaining corpus stays invested in the fund and continues to earn potential compound growth.
With SWPs, only the capital gain portion of each withdrawal is taxable, making it significantly more tax-efficient than traditional interest payouts or dividends.
If your annual withdrawal percentage is lower than your portfolio return rate, your wealth grows continuously while funding your lifestyle.
Quick answers about how this tool works.
Plain-language explainers that sit next to this tool.
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