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Investment Planning Tool

SWP Calculator

Calculate how long your investment may support regular monthly withdrawals. Estimate total withdrawals, investment growth, remaining balance and a detailed year-by-year projection.

Enter Your SWP Details

Adjust the investment, withdrawal and return assumptions.

The amount available before withdrawals begin.
The amount you plan to withdraw each month.
Estimated annual investment return percentage.
Number of years you want withdrawals to continue.
Optional yearly increase to account for inflation.

Your SWP Projection

Estimated outcome based on the details entered.

Your plan remains funded

The investment is projected to support the selected withdrawal period.

Estimated Remaining Balance ₹0
Total Amount Withdrawn ₹0
Estimated Returns Earned ₹0
Initial Withdrawal Rate 0%
Final Monthly Withdrawal ₹0
Enter your details and select Calculate SWP to generate your investment withdrawal projection.

Year-by-Year SWP Breakdown

View the estimated opening balance, withdrawals, returns and closing balance.

Year Opening Balance Total Withdrawn Returns Earned Closing Balance
This calculator provides an estimate using a constant assumed return. Actual mutual fund or investment returns can fluctuate, and withdrawals may occur at different unit prices.

What Is an SWP Calculator?

An SWP calculator helps estimate the results of withdrawing a fixed amount from an investment at regular intervals. SWP stands for Systematic Withdrawal Plan. It is commonly used by investors who want to generate regular income from mutual funds or other market-linked investments while keeping the remaining money invested.

Instead of withdrawing the entire investment at once, an investor can choose a monthly withdrawal amount. The remaining balance continues to earn an estimated return. This calculator simulates that process month by month and shows whether the investment may last for the selected duration.

Estimate Regular Income See how much money you may withdraw over the selected period.
Check Fund Sustainability Identify whether your investment may last for the required duration.
Review Investment Growth Estimate the returns generated while regular withdrawals are made.
Account for Inflation Increase the withdrawal amount annually to model rising expenses.

How Does the SWP Calculator Work?

The calculator converts the expected annual return into an equivalent monthly rate. It applies the monthly return to the available balance and then deducts the selected withdrawal amount at the end of each month.

Monthly return:
(1 + Annual Return ÷ 100)1/12 − 1

Closing monthly balance:
Current Balance × (1 + Monthly Return) − Monthly Withdrawal

This calculation is repeated for every month in the selected period. When an annual withdrawal increase is entered, the monthly withdrawal amount rises at the beginning of each new year.

How to Use This SWP Calculator

Enter the initial investment Add the total amount available in your investment before starting the withdrawal plan.
Add the monthly withdrawal Enter the amount you want to receive from the investment every month.
Choose an expected return Use a realistic annual return based on the investment type and your assumptions.
Select the withdrawal duration Enter how many years you want the systematic withdrawals to continue.
Include an annual increase if required Use this option when you want the withdrawal amount to rise each year due to inflation.
Review your projection Check the remaining balance, total withdrawals, estimated returns and yearly breakdown.

Why Can an SWP Investment Run Out Early?

An investment may be depleted before the selected period ends when the monthly withdrawal is too high compared with the starting balance and expected return. Increasing withdrawals every year can also reduce the life of the investment.

Actual market returns do not remain constant. Poor returns during the early years of a withdrawal plan may have a larger effect because units continue to be sold to fund withdrawals. Consider comparing several return and withdrawal scenarios before making a decision.

Frequently Asked Questions

What does SWP mean?
SWP means Systematic Withdrawal Plan. It allows an investor to withdraw a selected amount from an investment at regular intervals, such as every month, while the remaining balance stays invested.
Is the SWP calculator result guaranteed?
No. The result is an estimate based on a constant annual return. Actual investment returns can rise or fall, and the final balance may be higher or lower than the calculator projection.
What is a sustainable monthly withdrawal?
A sustainable withdrawal depends on the starting investment, expected return, duration, inflation and risk level. A lower withdrawal generally allows the investment to last longer, but no single withdrawal rate is suitable for every investor.
Can I increase my SWP amount every year?
Yes. This calculator includes an annual withdrawal increase option. For example, entering 5% will increase the monthly withdrawal by 5% at the beginning of each new year.
Does this calculator include taxes and investment fees?
No. The calculation does not deduct taxes, exit loads, fund management charges, transaction costs or other fees. These costs can reduce the actual amount available.
What happens if the investment balance reaches zero?
The calculator displays the estimated month and year in which the funds may run out. It also stops counting withdrawals after the available balance has been fully depleted.