SWP calculator
SWP Calculator: How Long Will Your Corpus Last?
A Systematic Withdrawal Plan (SWP) lets you take a fixed monthly amount from a mutual fund or investment corpus while the balance stays invested. This free SWP calculator for Indian investors estimates remaining corpus, total withdrawn, and how many months your plan can last under an assumed annual return — useful for retirement income or goal-based spending planning.
Enter starting corpus, monthly withdrawal, expected return, and withdrawal period below. Results update instantly. Figures are illustrative educational estimates only — not investment or tax advice. Actual fund returns and tax rules can differ.
Estimated corpus remaining
₹1.77 Cr
Where an SWP corpus often comes from
Many retirees build the starting corpus from lump sums received at retirement. Non-government NPS subscribers can now take up to 80% of the corpus as lumpsum at normal exit — see the NPS 80:20 rule pension impact guide for lumpsum + SWP vs annuity worked in ₹. Salaried employees can estimate their provident fund balance with the EPF calculator and their employer payout with the gratuity calculator, then test here how long a monthly withdrawal from that total could last.
The same logic works for staged goals such as a daughter's higher education: if you are building that corpus through Sukanya Samriddhi Yojana, estimate the maturity amount with the Sukanya Samriddhi calculator, then use this SWP calculator to see how long staged withdrawals from an invested corpus could last.
Frequently asked questions
What is an SWP (Systematic Withdrawal Plan)?
An SWP lets you withdraw a fixed amount at regular intervals (usually monthly) from a mutual fund or investment corpus while the remaining balance stays invested and can continue to earn returns. It is commonly used to generate a steady cash flow in retirement or for goal-based spending.
How is SWP different from SIP?
A SIP (Systematic Investment Plan) invests a fixed amount into a fund every month to build a corpus. An SWP does the opposite: it withdraws a fixed amount from an existing corpus each month. Many investors use SIPs to accumulate wealth and later use SWPs to draw income from that corpus.
How accurate is this SWP calculator?
This tool assumes a constant monthly return derived from your expected annual rate, and that you withdraw the same amount each month. Real market returns vary, and fund NAVs fluctuate. Treat the remaining balance and months-lasting figures as illustrative planning estimates, not guarantees.
Does this calculator account for taxes on SWP withdrawals?
No. Withdrawals from mutual funds can have capital gains tax implications depending on the fund type and holding period. This calculator shows corpus and cash-flow estimates only — it is not tax advice. Consult a tax professional for your situation.
When can an SWP deplete the corpus early?
If monthly withdrawals are high relative to the starting corpus and expected returns, or if markets underperform your assumed rate for a long stretch, the corpus can run out before the planned period ends. Use this calculator to stress-test lower returns and higher withdrawals before locking in a plan.
Related calculators & guides
Explore more: all calculators, the SIP Calculator, the Retirement Calculator, the retirement planning guide, and portfolio review.