SWP Calculator – Plan Monthly Withdrawals from Investment
Calculate how long your investment lasts with monthly withdrawals.
About this tool
Find out how long your investment will last with systematic monthly withdrawals. Enter your corpus, withdrawal amount, and expected returns to plan your retirement or regular income needs.
What is a Systematic Withdrawal Plan?
SWP lets you withdraw a fixed amount every month from your mutual fund corpus. Unlike spending down raw savings, your remaining balance continues to earn returns — potentially sustaining your withdrawals far longer than simple drawdown would allow.
Planning Sustainable Retirement Income
The key to a sustainable SWP is ensuring your portfolio's return rate meets or exceeds your withdrawal rate. When structured correctly, your corpus can last indefinitely — making SWP one of the most efficient tools for generating regular retirement income.
savingsThe Sustainable Withdrawal Rate
Financial planners often cite 4% as a 'safe withdrawal rate' — the percentage of your corpus you can withdraw annually without depleting it over a 30-year retirement.
A ₹1Cr corpus at 8% return sustains ₹10,000/month indefinitely — the monthly growth (₹6,667) partially offsets the withdrawal.
Quick Usage Guide
- 1Calculate how long your investment lasts with monthly withdrawals
- 2See remaining balance after the withdrawal period
- 3Visual breakdown of withdrawn amount vs remaining balance
- 4Plan for retirement income, regular expenses, or passive income
Frequently Asked Questions
help_outlineWhat is SWP?
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount every month from a mutual fund investment, ideal for generating regular retirement income.
verifiedHow does SWP differ from simply spending savings?
With SWP, your remaining corpus continues to earn returns. If your return rate exceeds your withdrawal rate, the corpus can sustain withdrawals indefinitely.
quizHow long will my investment last with monthly withdrawals?
Enter your starting corpus, the monthly withdrawal amount, and the expected annual return rate. The calculator shows the corpus balance over time and when it will be depleted.
account_balance_walletWhat return rate should I use for SWP planning?
For balanced or debt-heavy funds used in retirement, 7–9% p.a. is a commonly used assumption. Adjust based on your actual portfolio allocation.