Investment Calculators

SWP Calculator

Plan regular monthly withdrawals from your mutual fund corpus and see how long the money will last.

About the calculator

What is the SWP Calculator?

The SWP Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Balance update
    Balanceₙ = Balanceₙ₋₁ × (1 + r/12) − W
  • Variables
    W = monthly withdrawal, r = annual rate

Why use the SWP Calculator?

Financial planning works only when it's specific. The SWP Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Systematic Withdrawal Plan — redeems a fixed monthly amount from your mutual fund holdings.
Yes, each withdrawal is a redemption. Equity LTCG above ₹1L is taxed at 10% if held over 12 months.
Yes — if monthly withdrawals exceed returns. Use this calculator to plan sustainable rates.
Roughly 4% annually for retirement planning; 3.5–5% for Indian inflation.
Yes, most AMCs allow modifying or stopping SWPs anytime.
Typically yes, or after major liquidity needs settle.

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