Estimate how regular monthly withdrawals may affect an invested corpus. Enter the starting investment, withdrawal amount, expected annual return, and duration to see total withdrawals, estimated returns credited, remaining value, and whether the corpus may be exhausted.
What this SWP calculator shows
- Remaining value: estimated corpus after returns and withdrawals.
- Total withdrawn: withdrawals that could be funded without making the balance negative.
- Estimated returns: assumed growth credited during the withdrawal period.
- Plan status: whether the corpus lasts through the selected period or is exhausted earlier.
- Annual projection: cumulative withdrawals, returns, and closing balance.
How the SWP estimate works
The calculator converts the effective annual return into an equivalent monthly rate using `Monthly rate = (1 + annual return)^(1 / 12) – 1`. Each month it credits the assumed return to the current balance and then deducts the requested withdrawal. If the corpus reaches zero before the selected period ends, including after one final full withdrawal, it records the depletion month and stops without creating a negative balance.
This timing assumption matches return-first examples published by major Indian SWP calculators, but an actual fund’s withdrawal date and NAV determine units redeemed. Real returns are uneven, may be negative, and do not arrive as a fixed monthly credit.
The estimate excludes expense ratios, exit loads, capital-gains tax, inflation-linked increases, transaction timing, and fund-specific rules. It is an educational scenario, not a safe-withdrawal recommendation or guarantee that money will last.
Common questions
What happens if withdrawals exceed returns?
The difference comes from the invested corpus, so the balance declines. The calculator reports when the corpus cannot fund another full monthly withdrawal.
Are SWP withdrawals guaranteed income?
No. An SWP redeems investment units. The remaining value depends on market performance, withdrawals, costs, and taxes.
Does this calculator include tax?
No. Each mutual fund withdrawal is a redemption, and taxation depends on the fund type, purchase dates, gains, and current rules.
Should withdrawals increase with inflation?
Real-life expenses may rise, but this calculator keeps the monthly withdrawal fixed so the effect of one assumption is clear. Test a higher withdrawal separately to stress-test the plan.
Is SWP the same as SIP?
No. A SIP adds money regularly. An SWP removes money regularly from an existing investment.
More calculators
Use the lumpsum calculator to estimate growth before withdrawals, the inflation calculator to examine future expenses, or the emergency fund calculator for near-term safety planning.
