SWP Calculator
Free SWP calculator: enter your corpus, monthly withdrawal, expected return and tenure to see the corpus value year by year and total withdrawals. Try it.
SWP Calculator — Plan Systematic Withdrawals from Your Mutual Fund Corpus
Systematic Withdrawal Plan (SWP) is the reverse of SIP — instead of investing every month, you withdraw a fixed amount monthly while the rest stays invested and grows. SWP is the go-to strategy for retirees, parents needing recurring expenses, or anyone wanting a tax-efficient income stream from a lumpsum corpus. Our SWP Calculator shows how long your corpus will last and the final balance.
Enter the initial corpus, monthly withdrawal amount, expected return, and tenure. See how the corpus depletes (or grows), withdrawals received, and remaining balance year by year. No signup, no cost.
How to Use the SWP Calculator
1. Initial Corpus
Enter your retirement corpus or accumulated mutual fund balance you want to draw from.
2. Monthly Withdrawal
Enter how much you want to withdraw each month for living expenses or recurring needs.
3. Expected Return
Enter the annual return you expect on the money that stays invested — for example 8%. These are assumptions, not guaranteed returns.
4. View Schedule
See the total withdrawn, the balance left and a year-by-year schedule, which stops early if the money runs out.
SWP Calculator Features
Corpus Sustainability
If the corpus runs out before the end of the tenure, the schedule stops in the year it does, so you can see how long the money lasts at your withdrawal.
Month-by-Month Calculation
The balance is worked out month by month: a month’s return is added, then your withdrawal is taken out. The schedule adds the months up into years.
Year-Wise Schedule
Detailed table showing opening balance, withdrawals, gains, and closing balance every year.
Visual Breakdown
A chart shows your starting corpus, the returns it earned and what is left at the end.
Multiple Currencies
Show amounts in any of 20 currency symbols, from the rupee and US dollar to the euro, pound and yen. Only the symbol changes; nothing is converted.
Free and Private
No signup, no tracking. Runs entirely in your browser.