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SWP (Systematic Withdrawal) Calculator

See how long your corpus lasts, or what remains, with monthly withdrawals.

Last updated: 8 Aug 2026

Quick answer

An SWP lets you withdraw a fixed amount monthly while the rest stays invested. For example, ₹50 lakh at 8% with ₹30,000 withdrawn monthly still leaves about ₹56 lakh after 10 years — because the return exceeds the withdrawals. Enter your corpus, withdrawal and period above to model it.

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A Systematic Withdrawal Plan (SWP) lets you draw a fixed sum from your investment each month while the remaining corpus stays invested and keeps growing. This calculator models the balance over time — useful for retirement income planning.

How to plan an SWP

  1. 1 Enter your total invested corpus.
  2. 2 Enter the monthly withdrawal you want.
  3. 3 Enter the expected return and the period in years.
  4. 4 See the balance left after the period, or when the corpus runs out.

Frequently asked questions

What is an SWP?
A Systematic Withdrawal Plan lets you redeem a fixed amount from a mutual fund at regular intervals while the balance stays invested.
Can my corpus grow during an SWP?
Yes — if the return earned exceeds your withdrawals, the corpus can still grow over time.
Is SWP good for retirement?
It is a popular way to generate regular income in retirement, and can be more tax-efficient than some alternatives, but returns are not guaranteed.

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