SWP Calculator
See how long a corpus lasts when you withdraw a fixed amount every month. Move the sliders to update the result instantly.
Total investment
₹10,00,000
Total withdrawal
₹12,00,000
Final value
₹3,90,180
Your corpus lasts the full 10 years, ending lower than it started — the withdrawals outpace the assumed return.
This assumes a steady 8% return every year. In a real fund the order of returns matters a great deal when you are withdrawing — switch to Advanced to replay this against a real fund’s actual NAV history.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund investment at regular intervals, usually monthly. It is commonly used to turn an accumulated corpus into a steady income stream.
How much can I safely withdraw every month?
It depends on your corpus, the return the fund earns, and how long the money must last. If your monthly withdrawal is larger than what the corpus earns, the balance shrinks every month and will eventually run out — this calculator shows you exactly when that happens.
Will my SWP corpus run out?
It runs out whenever withdrawals persistently exceed returns. Enter your numbers above and the calculator tells you directly whether the corpus survives the full period or is exhausted before it, and after how long.
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.