SWP Calculator
Key takeaways
- You withdraw ₹36.00 L over 120 months while the corpus earns ₹42.10 L, ending at ₹56.10 L of the ₹50.00 L you started with.
- In month 1 the corpus earns ₹33,333 against the ₹30,000 withdrawn — the balance rises by ₹3,333 that month.
- At ₹40,000 a month instead of ₹30,000, the corpus would end the 10 years at ₹37.80 L instead of ₹56.10 L.
Yearly schedule
| Year | Withdrawn | Growth | Balance |
|---|---|---|---|
| 1 | ₹3.60 L | ₹4.01 L | ₹50.41 L |
| 2 | ₹3.60 L | ₹4.05 L | ₹50.86 L |
| 3 | ₹3.60 L | ₹4.09 L | ₹51.35 L |
| 4 | ₹3.60 L | ₹4.13 L | ₹51.88 L |
| 5 | ₹3.60 L | ₹4.17 L | ₹52.45 L |
| 6 | ₹3.60 L | ₹4.22 L | ₹53.07 L |
About the SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an investment at regular intervals — often monthly — while the remaining balance stays invested and keeps growing. Retirees use it to turn a corpus into a steady income.
This calculator shows what is left of your corpus after a set period of monthly withdrawals, given an expected return on the money that stays invested.
Frequently asked questions
How does an SWP work?
You invest a lumpsum and instruct the fund to pay you a fixed amount each month. Units are sold to fund each withdrawal, while the rest of the corpus keeps earning returns — so the balance falls only if withdrawals outpace growth.
How is the remaining balance calculated?
Final Balance = Corpus × (1 + i)ⁿ − W × ([(1 + i)ⁿ − 1] ÷ i), where W is the monthly withdrawal, i is the monthly return and n is the number of months. It grows the corpus and subtracts the withdrawals plus their lost growth.
Will my SWP corpus run out?
It depends on the balance between your withdrawal rate and the return. Withdraw less than the corpus earns and it can last indefinitely or even grow; withdraw more and it depletes over time. This calculator shows the ending balance for your inputs — and when the corpus runs out first, the month it does, with a final balance of ₹0 and only the withdrawals actually paid.
How is SWP taxed?
Each withdrawal is a partial redemption, so only the gain portion is taxed as capital gains — not the whole amount. For equity funds, as of 2026, long-term gains above ₹1.25 lakh a year are taxed at 12.5%. Fully taxable income, by contrast, is taxed in full at your slab rate rather than only on the gain portion — how the two compare in rupees depends on your slab and the size of the gain.
SWP or dividend payout — how do they differ for income?
An SWP is a redemption you control: you set the amount and the date, and only the gain portion of each withdrawal is taxed as capital gains. A dividend (IDCW) payout is decided by the fund, is not fixed in amount or timing, and is taxed in full at your slab rate. The two therefore differ on control, predictability and how the tax is computed.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.