SWP Calculator

Estimate how long your investment lasts with regular monthly withdrawals, and what remains at the end.

Use the ToolBandhu Systematic Withdrawal Plan calculator to see your remaining corpus, total amount withdrawn and estimated growth based on an assumed annual return.

Your SWP details

Results update instantly as you type.

The lump-sum amount already invested, for example 1000000.

An assumption you choose, such as 7.5 or 8. Not a guaranteed return.

The fixed amount you want to receive every month.

Between 1 and 50 years.

Your SWP estimate

Remaining Value (estimated)

₹0

Withdrawing ₹10,000 every month for 15 years from ₹10,00,000 at an assumed 8% annual return.

  • ₹10,00,000

    Initial Investment

  • ₹16,53,413

    Total Withdrawn

  • ₹6,53,413

    Estimated Returns

Disclaimer: This SWP calculator provides an illustrative estimate based on the initial investment, withdrawal amount, duration and assumed annual return entered by the user. Mutual fund returns are market-linked and actual outcomes may be higher or lower. This calculator is not investment advice or a guarantee of returns.

Corpus over time

Remaining investment value compared with the total amount withdrawn, year by year. Amounts are in ₹.

Year-by-Year Breakdown

Estimated values at the end of each year, rounded to the nearest rupee.

Year-wise total withdrawn, remaining value and estimated returns
YearTotal WithdrawnRemaining ValueEstimated Returns
1₹1,20,000₹9,58,500₹78,500
2₹2,40,000₹9,13,556₹1,53,556
3₹3,60,000₹8,64,881₹2,24,881
4₹4,80,000₹8,12,167₹2,92,167
5₹6,00,000₹7,55,077₹3,55,077
6₹7,20,000₹6,93,249₹4,13,249
7₹8,40,000₹6,26,289₹4,66,289
8₹9,60,000₹5,53,771₹5,13,771
9₹10,80,000₹4,75,235₹5,55,235
10₹12,00,000₹3,90,180₹5,90,180
11₹13,20,000₹2,98,065₹6,18,065
12₹14,40,000₹1,98,305₹6,38,305
13₹15,60,000₹90,265₹6,50,265
14₹16,53,413₹0₹6,53,413

How SWP is calculated

Balance = Previous Balance × (1 + r) − W

  • r = monthly expected rate of return (annual return ÷ 12 ÷ 100)
  • W = fixed monthly withdrawal

The calculation runs month by month: the remaining balance first grows by the monthly rate, then the withdrawal is deducted. When the expected return is 0%, the balance simply falls by the withdrawal amount each month. If the grown balance cannot cover a full withdrawal, the remaining amount is paid out and the plan ends early.

Planning the investing phase instead? Use the SIP Calculator to estimate how a monthly investment could grow into the corpus an SWP later draws from.

What is SWP?

A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment every month. Instead of redeeming everything at once, the rest of your money stays invested and continues to grow.

How does SWP work?

Every month, fund units worth your chosen amount are redeemed and paid to you. The remaining units keep earning returns, so the corpus changes each month by growth minus the withdrawal.

SWP vs SIP

A SIP builds wealth by investing a fixed amount every month; an SWP does the opposite by paying you a fixed amount every month. Many investors use a SIP during their earning years and switch to an SWP in retirement.

How returns and withdrawals affect the corpus

If your monthly growth is larger than your withdrawal, the corpus keeps growing. If the withdrawal is larger, the corpus shrinks and can eventually run out — this calculator warns you when that would happen early.

How to use the SWP Calculator?

Enter your initial investment, expected annual return, monthly withdrawal and duration. The remaining value, total withdrawn and the year-by-year table update instantly as you type.

What if the expected return is 0%?

With 0% assumed growth the corpus simply falls by the withdrawal amount each month, so the remaining value is the initial investment minus everything withdrawn.

Frequently asked questions

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