SWP Calculator

Plan your regular withdrawals from mutual funds using a Systematic Withdrawal Plan (SWP) calculator. Calculate capital preservation and corpus lifespan.

Parameters
₹
₹ Mo
%
Yrs
Yrs
Calculated Results
Remaining Corpus -
Total Withdrawals -
Earned Returns -
Corpus Lifespan -
Compounding
Visual Projection
Invested
Corpus
Yearly Breakdowns
YearBeginning BalanceWithdrawnInterest EarnedEnding Balance
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Retirement Planning with SWP

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money regularly from your mutual fund investments, while the remaining balance continues to compound.

Formula & Mathematical Approach

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount regularly from an accumulated corpus.

i=(1+Return Rate100)112−1i = \left(1 + \frac{\text{Return Rate}}{100}\right)^{\frac{1}{12}} - 1
Balancet=(Balancet−1−Monthly Withdrawal)×(1+i)\text{Balance}_{t} = \left(\text{Balance}_{t-1} - \text{Monthly Withdrawal}\right) \times (1 + i)
Show Plain Text / Excel Formula 
i = (1 + Return Rate / 100) ^ (1 / 12) - 1
Balance after withdrawal = (Current Balance - Monthly Withdrawal) * (1 + i)

Key Assumptions

  • Withdrawals are executed at the beginning of each month (annuity-due).
  • Interest is applied to the remaining balance after the monthly withdrawal.
  • The return rate is steady and withdrawals remain level.