SWP Calculator Result
Calculator Inputs
Build Your Withdrawal Plan
Amount withdrawn every month.
Illustrative expected return — actual mutual fund returns are market-linked.
Your Projection
SWP Result Dashboard
Your corpus survives the full withdrawal period under the assumed return.
SUSHIL FINVEST
Smart Financial Planning • Simple Calculations
SUSHIL FINVEST • Smart Financial Planning • Simple Calculations
Corpus Growth & Withdrawal Projection
Remaining corpus value at the end of each year, based on a constant assumed return.
Your SWP Insight
Adjust the inputs above to generate a personalised SWP illustration.
Withdrawal Summary
A consolidated snapshot of your SWP illustration.
| Metric | Value |
|---|---|
| Starting Corpus | — |
| Monthly Withdrawal | — |
| Expected Return | — |
| Withdrawal Period | — |
| Total Withdrawals | — |
| Estimated Return | — |
| Remaining Corpus | — |
| Corpus Status | — |
Detailed Projection
Expand to review the year-by-year and month-by-month working of the calculation.
View Year-Wise SWP Projection
| Year | Opening Corpus | Annual Withdrawal | Estimated Return | Closing Corpus |
|---|---|---|---|---|
| Calculating… | ||||
View Monthly Breakdown
| Period | Opening | Withdrawal | Return | Closing |
|---|---|---|---|---|
| Select a year above. | ||||
Understanding Systematic Withdrawal Plans
What Is an SWP?
A Systematic Withdrawal Plan (SWP) allows an investor to withdraw a predetermined amount from an existing mutual fund corpus at regular intervals — monthly, quarterly, half-yearly or yearly. The remaining corpus stays invested in the scheme and can potentially generate market-linked returns over time.
An SWP is often considered for generating regular cash flow from an accumulated investment corpus. Many investors use it as one of the ways to structure income during retirement, to fund a recurring expense, or to systematically move money out of a mutual fund scheme over a planned period. Because mutual fund returns are market-linked, the amount you can sustainably withdraw will vary with actual market performance.
How Does an SWP Work?
An SWP is a simple instruction registered with the mutual fund. The typical process works like this:
- You build a mutual fund corpus through a lump sum investment, a SIP, or a combination of both.
- You choose the withdrawal amount you want to receive in each period.
- You select the withdrawal frequency — monthly, quarterly, half-yearly or yearly.
- On each scheduled date, the fund house redeems units worth the selected amount and credits the money to your bank account.
- The remaining units stay invested in the scheme and continue to be exposed to market movements.
- The future value of the corpus depends on market performance, the amount withdrawn and how long withdrawals continue.
SWP Example
Here is an illustrative example to show how the numbers fit together:
- Starting Corpus: ₹50,00,000
- Monthly Withdrawal: ₹30,000
- Expected Return: 8% p.a. (assumed constant)
- Withdrawal Period: 20 years
Under these assumptions, the corpus would be projected to continue supporting withdrawals across the full period, with a residual balance at the end. Enter the same values into the calculator above to see the exact year-by-year figures.
Illustration only — not a guaranteed return. Actual mutual fund returns are market-linked and will vary.
SWP vs SIP
SIP and SWP are often described as two sides of the same coin. A SIP builds a corpus over time, while an SWP draws down from a corpus that already exists.
| SIP | SWP |
|---|---|
| Money is invested regularly | Money is withdrawn regularly |
| Helps build a corpus | Helps generate cash flow |
| Accumulation phase | Withdrawal phase |
| Suitable for long-term wealth building | Useful for planned withdrawals |
Benefits of an SWP
These are potential advantages, not guarantees. Outcomes depend on market performance.
Regular Cash Flow
Provides a structured, periodic inflow that can be aligned with recurring expenses.
Flexible Withdrawals
Withdrawal amounts, dates and frequency can typically be modified or paused when needed.
Potentially Continued Growth
The unwithdrawn portion of the corpus stays invested and may continue to grow over time.
Customisable Amount
You decide the withdrawal value, so the plan can be tuned to your cash-flow needs.
Useful for Retirement Planning
Frequently used as one component of a post-retirement income structure, alongside other sources.
Better Cash-Flow Planning
Knowing the projected corpus trajectory can help you plan expenses and buffers more confidently.
Important Things to Know Before Starting an SWP
- Mutual fund returns are market-linked. They are not fixed and they are not guaranteed.
- Any projection from this calculator is an illustration based on a constant assumed return rate. Real returns fluctuate year to year.
- Poor market performance can reduce your corpus faster than projected, especially if withdrawals continue unchanged during a downturn.
- High withdrawals relative to your corpus can accelerate depletion and may exhaust the corpus earlier than planned.
- Inflation can reduce the purchasing power of a fixed withdrawal amount over a long period. A constant nominal withdrawal may feel smaller in real terms after several years.
- Each SWP withdrawal is a redemption of mutual fund units. Capital gains tax may apply, depending on the scheme category, your holding period and the tax rules in force at that time.
- Actual outcomes can differ substantially from calculator projections. Review your plan periodically and consult a qualified financial professional before making decisions.