Past SWP Calculator — what would actually have happened
See what would really have happened if you'd started this withdrawal plan years ago, using the fund's actual NAV — including whether the corpus would have run out.
Investing ₹10,00,000 in UTI Nifty 50 Index Fund - Growth Option - Direct on 01 Jan 2015 and withdrawing ₹10,000 every month would have paid out ₹13,80,000 in total, leaving ₹4,75,992 today.
Total investment
₹10,00,000
Total withdrawal
₹13,80,000
Final value
₹4,75,992
Based on real NAV from 01 Jan 2015 to 24 Jul 2026
You'd have taken out ₹13,80,000 — more than you originally invested — and still had ₹4,75,992 left at the end.
Frequently asked questions
How does this SWP calculator use real fund history?
It buys units at the fund’s actual NAV on your start date, then redeems units at the real NAV on each monthly withdrawal date. Because real NAVs fall as well as rise, the corpus can deplete faster than a fixed-return calculator would suggest.
Why does the order of returns matter for an SWP?
When you are withdrawing, a fall early on does lasting damage: you sell more units at low prices to fund the same withdrawal, leaving fewer units to recover with. Two funds with identical average returns can produce very different SWP outcomes purely because of the order those returns arrived in.
What happens if the corpus runs out?
The calculator stops the withdrawals at that point and tells you the month the money would have run out, along with how much you had withdrawn in total by then.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance does not guarantee future returns. These figures are estimates shown before tax, and are for information only — not investment advice.