🏖️SWP Calculator
Plan regular income from your investments. Enter your corpus, monthly withdrawal and expected return to see the final balance after your chosen period — or how long the corpus will last.
Balance at end
₹69,63,401
Total withdrawn
₹72,00,000
Months covered
20y 0m
How it works
- Each month: balance = balance × (1 + r/12/100) − withdrawal, where r is the expected annual return.
- If withdrawals exceed monthly growth, the corpus depletes; the calculator shows the month it runs out.
- Total withdrawn = monthly amount × months (until depletion or end of period).
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan redeems a fixed amount from your mutual fund every month — a common way to draw retirement income while the balance stays invested.
Is SWP better than an FD interest payout?
SWP from a fund can be more tax-efficient (only the gain portion of each withdrawal is taxed) and can grow the remaining corpus, but it carries market risk unlike an FD.