SWP calculator
Model regular withdrawals from a corpus—balance path, total withdrawn, and interest in this simplified scenario.
Inputs
Corpus, return, withdrawal & frequency
Note: the current API model uses monthly mechanics; frequency is sent for future use.
Quick corpus
Quick withdrawal
Remaining balance
Model₹0
End balance after simulated withdrawals (may go to zero if withdrawals exceed growth).
Total withdrawn
₹0
Interest (model)
Accrued before exit
₹0
Balance left
After modeled withdrawals
₹0
Visual insights
Interactive charts — hover for details.
Balance over time
Year-end corpus
Withdrawn vs interest
Model totals
Interest by year
Attributed interest in the backend model
Smart insights
High-signal takeaways from your current numbers.
Depletion risk
If withdrawals are high relative to returns, the corpus can shrink quickly—use conservative return assumptions.
Taxes & NAV
Real SWPs depend on NAV, capital gains tax, and exit load—this calculator does not model those.
Year-wise breakdown
| Year | Withdrawn (₹) | Interest (₹) | Balance (₹) |
|---|
Export
Download the modeled breakdown as CSV.
Related SWP calculator pages
Nearby corpus sizes, monthly withdrawals, or return assumptions—one change at a time.
- SWP — ₹7,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹10,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹15,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹3,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹1,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹20,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹30,00,000 corpus · ₹15,000/mo @ 12%
- SWP — ₹5,00,000 corpus · ₹17,000/mo @ 12%
- SWP — ₹5,00,000 corpus · ₹20,000/mo @ 12%
Guide · India · Mutual funds
SWP: withdrawals while staying invested
Cash flow without full exit
SWP helps investors translate a mutual fund corpus into regular liquidity—useful for retirees or anyone funding predictable expenses. Unlike a fixed deposit payout, market-linked SWPs carry NAV risk; planning requires conservative assumptions and buffers.
How to read this SWP calculator
Enter initial corpus, assumed annual return, withdrawal per period, and frequency (noting the backend model may simplify frequency). Review remaining balance, total withdrawn, and yearly breakdown. If balance trends to zero quickly, reduce withdrawal or revisit return assumptions.
What real SWPs add
Real-world SWPs involve stamp duty on purchase, STT on redemptions where applicable, capital gains tax, and AMC charges. Keep emergency reserves outside the SWP corpus for unexpected expenses.
Key insights
- Withdrawal rate: test lower withdrawals to see longevity of corpus.
- Rebalancing: shift toward stability as you approach heavy withdrawal years.
Frequently asked questions
- What is SWP in mutual funds?
- A Systematic Withdrawal Plan redeems units at a fixed schedule to provide cash flow while the remaining investment stays in the fund. Amounts depend on NAV at each withdrawal.
- Is SWP income guaranteed?
- No. NAVs fluctuate. If withdrawals exceed growth, the corpus can shrink faster than expected. Some months may yield capital gains or losses for tax purposes—consult a CA.
- How is SWP different from dividend payouts?
- SWP is a redemption plan you control; dividends depend on fund surplus and policies. Post-dividend taxation rules have evolved—verify current law.
- Who typically uses SWP?
- Retirees and investors seeking regular cash flow without liquidating the entire corpus at once. Also used to fund expenses while staying invested in growth assets—subject to risk tolerance.
- Does this calculator model taxes and exit loads?
- No. It uses a simplified balance path from your inputs. Actual results depend on NAV path, loads, and tax—use this as a directional tool only.
- Can SWP run out of money?
- Yes. If withdrawals are high relative to returns, the corpus can reach zero. Review withdrawal rates and asset allocation regularly.
- Should equity or debt funds be used for SWP?
- Depends on horizon and risk. Shorter needs may favour lower-volatility options; longer horizons may include equity with acceptance of drawdowns—seek advice tailored to your situation.
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Conclusion
SWP is a flexible income tool—not a substitute for guaranteed pensions. Combine projections here with fund factsheets, tax guidance, and a clear plan for market downturns.