SWP Calculator
Estimate systematic withdrawal plan outcomes — corpus depletion, total withdrawals, and remaining balance.
Starting corpus before withdrawals begin.
Expected annualised return on the remaining corpus.
Fixed amount withdrawn each period.
Planned withdrawal period.
Each period the corpus grows at the periodic rate, then a fixed withdrawal is taken (capped at remaining balance). Market returns vary — SWP in mutual funds does not guarantee fixed returns or that the corpus will last the full tenure. Estimates only.
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount at regular intervals from a mutual fund or investment corpus while the remainder stays invested.
Will my corpus last the full period?
Not necessarily. If withdrawals plus poor returns exceed growth, the corpus depletes early. This calculator flags depletion and shows when funds may run out.
How is estimated gains calculated?
Gains = remaining corpus + total withdrawals − initial investment. Negative values mean the corpus lost value net of withdrawals.
Is SWP tax-efficient?
In debt funds, each withdrawal may include a capital-gains component. Equity SWP tax treatment depends on holding period and current tax rules — not modeled here.
SWP vs fixed pension?
SWP amounts stay fixed until you change them; the corpus bears market risk. Annuities offer guaranteed payouts but typically lower flexibility. This tool models SWP only.