What is SWP Calculator?
Calculate Systematic Withdrawal Plan returns, remaining corpus and monthly withdrawal sustainability from your mutual fund investment Simply enter your values, and the calculator instantly computes accurate results using standard financial formulas. All calculations are performed entirely in your browser — nothing is stored or transmitted.
Formula Used
P = Initial corpus | r = Annual return rate | n = Number of months | W = Monthly withdrawal amount
How to Use This Calculator
- Enter your total invested corpus amount
- Enter the monthly withdrawal amount you need
- Enter the expected annual return on your investment
- Enter the withdrawal period in years
- Click Calculate to see remaining corpus over time
Worked Example
Corpus: ₹50,00,000 | Monthly Withdrawal: ₹30,000 | Return: 8% | Period: 20 years → Total Withdrawn: ₹72,00,000 | Remaining: ₹42,18,000
Why Use This Tool?
- Plan retirement income with exact monthly amounts
- See if your corpus is sufficient for withdrawal needs
- Month-by-month chart shows corpus depletion clearly
- Helps decide between SWP vs FD for retirement
Frequently Asked Questions
What is a SWP Calculator?
A SWP (Systematic Withdrawal Plan) calculator helps you plan regular monthly withdrawals from your mutual fund corpus. It shows how long your investment will last and what will remain after regular withdrawals.
How is SWP different from SIP?
SIP is for accumulating wealth by investing monthly into mutual funds. SWP is the opposite — it is for withdrawing a fixed amount monthly from your existing corpus, typically used during retirement.
Is SWP taxable?
Yes. Each SWP withdrawal is treated as redemption. For equity funds, gains held over 1 year are taxed at 10% LTCG (above ₹1 lakh). Gains held under 1 year are taxed at 15% STCG.
How much corpus do I need for ₹50,000/month SWP?
For ₹50,000/month SWP for 20 years at 8% return, you need approximately ₹60–65 lakhs corpus. Use the calculator above with your exact numbers for a precise answer.
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