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SWP Calculator

How long monthly withdrawals from your fund last.

₹50 Lakh
₹
₹
% a year
years
Total withdrawn
₹72,00,000
₹72 Lakh
Returns earned
₹91,63,401
Balance left at the end
₹69,63,401
₹69.63 Lakh

Your money lasts the full 20 years.

Year-by-year breakdown
YearWithdrawnReturnsBalance
1₹3,60,000₹4,01,500₹50,41,500
2₹3,60,000₹4,04,944₹50,86,444
3₹3,60,000₹4,08,675₹51,35,119
4₹3,60,000₹4,12,715₹51,87,833
5₹3,60,000₹4,17,090₹52,44,923
6₹3,60,000₹4,21,828₹53,06,751
7₹3,60,000₹4,26,960₹53,73,711
8₹3,60,000₹4,32,518₹54,46,229
9₹3,60,000₹4,38,537₹55,24,765
10₹3,60,000₹4,45,055₹56,09,820
11₹3,60,000₹4,52,115₹57,01,935
12₹3,60,000₹4,59,760₹58,01,695
13₹3,60,000₹4,68,040₹59,09,735
14₹3,60,000₹4,77,007₹60,26,742
15₹3,60,000₹4,86,719₹61,53,461
16₹3,60,000₹4,97,236₹62,90,697
17₹3,60,000₹5,08,627₹64,39,324
18₹3,60,000₹5,20,963₹66,00,287
19₹3,60,000₹5,34,323₹67,74,610
20₹3,60,000₹5,48,791₹69,63,401

How to use

  1. 1Enter the amount you've invested.
  2. 2Enter how much you want to withdraw every month.
  3. 3Set the expected return and number of years.
  4. 4See the balance left and whether the money lasts.

Frequently asked questions

What is an SWP?

A Systematic Withdrawal Plan takes a fixed amount from your mutual fund every month, while the rest stays invested and keeps earning.

How much can I withdraw safely?

If your monthly withdrawal is less than the monthly return, the balance keeps growing. For long retirements, withdrawing about 4–6% of the corpus a year is a common rule.

How is SWP taxed?

Each withdrawal is partly your own money and partly gains. Only the gain is taxed, as capital gains, which is often lower tax than FD interest.

How does the calculator work?

Returns are added every month and the withdrawal is taken at the end of each month, until the period ends or the money runs out.

Is the return guaranteed?

No. Mutual fund returns vary year to year. Try a lower return to see a safer plan.

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