EasyCalEasyCal
🏧
Mutual funds

SWP calculator

Model regular withdrawals from a corpus—balance path, total withdrawn, and interest in this simplified scenario.

Inputs

Corpus, return, withdrawal & frequency

Live

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Total withdrawn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Withdrawn vs interest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

YearWithdrawn (₹)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.

Deep guide · India

SWP calculator — systematic withdrawal planning

Corpus near ₹63,00,000, ₹76,000 withdrawn each month, 13% a year assumed (illustrative): the run below shows how long money might last — not what any fund will earn. SWPs suit people who want steady cash flow while keeping the rest invested.

The engine is plain on purpose: accrue monthly at the rate you typed, subtract a fixed withdrawal, track the balance. Markets are not plain; treat this as a starting point, then cut the rate and add inflation or shocks in your head.

The tables show how fast the ending balance moves when withdrawal or return shifts — small edits, large swings. Plan slack.

Illustrative breakdown

  • Starting corpus: ₹63,00,000
  • Monthly withdrawal: ₹76,000
  • Illustrative annual return: 13%
  • Total withdrawn (simulated): ₹1,61,12,000
  • Interest component (simulated): ₹98,03,050
  • Remaining balance (end): ₹0

Sensitivity tables — withdrawal, rate, and corpus

Different monthly withdrawals (same corpus and rate)

ScenarioWithdrawalTotal withdrawnRemaining
-25% vs base₹57,000₹3,42,00,000₹67,22,57,658
-15% vs base₹64,600₹3,87,60,000₹22,23,66,263
Base withdrawal₹76,000₹1,61,12,000₹0
15% vs base₹87,400₹1,23,23,400₹0
25% vs base₹95,000₹1,12,10,000₹0

Different return assumptions (same corpus and withdrawal)

ScenarioRateTotal withdrawnRemaining
-25% vs base9.8%₹1,05,64,000₹0
-15% vs base11%₹1,19,32,000₹0
Base rate13%₹1,61,12,000₹0
15% vs base15%₹4,56,00,000₹38,57,81,063
25% vs base16.3%₹4,56,00,000₹2,31,66,42,428

Different starting corpus (same withdrawal and rate)

ScenarioCorpusTotal withdrawnRemaining
-25% vs base₹47,25,000₹79,04,000₹0
-15% vs base₹53,55,000₹1,01,84,000₹0
Base corpus₹63,00,000₹1,61,12,000₹0
15% vs base₹72,45,000₹4,56,00,000₹15,44,95,638
25% vs base₹78,75,000₹4,56,00,000₹55,91,39,951

Practical notes

Build a margin of safety: lower withdrawal rates, higher emergency cash, and periodic reviews beat a single optimistic return assumption. Pair SWP planning with health insurance and income tax estimates for a fuller retirement picture.

Frequently asked questions

How long can SWP run on ₹63,00,000 corpus with ₹76,000/month withdrawals?
This illustration accrues monthly interest and subtracts withdrawals until the balance exhausts or the cap hits. Ending remaining balance is about ₹0 with total withdrawn about ₹1,61,12,000 — highly sensitive to return assumptions and fees not modeled here.
What is SWP in mutual funds?
SWP is a withdrawal plan: you redeem units periodically to create cash flow. It is not the same as dividend payouts; taxation and cash-flow mechanics differ by product and holding period.
SWP vs dividend income?
SWP is a withdrawal plan from invested corpus; dividends are separate cash flows declared by schemes. Tax treatment differs; use this page for arithmetic intuition only.
Is SWP withdrawal fixed?
Here it is fixed monthly for illustration; you can adjust step-ups in the calculator UI. Real plans may need inflation-adjusted withdrawals.
Are returns guaranteed?
No — market returns vary. Use conservative rates for planning and keep an emergency buffer outside the SWP corpus.
Do charges affect sustainability?
Expense ratios, exit loads, and taxes reduce net cash flows. This simulation is pre-cost; rerun with lower effective rates to approximate costs.
Where can I explore more scenarios?
Use internal links below for nearby corpus, withdrawal, and rate assumptions.

Internal linking — related SWP calculator pages

Explore nearby scenarios on EasyCal — each link opens a calculator page with matching inputs (programmatic SEO).

Illustrative simulation only — market risks apply.