SWP Calculator
Plan monthly withdrawals — and see how long your corpus lasts.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
A Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from an invested corpus while the balance keeps earning. Enter your corpus, monthly withdrawal, expected return and period — if the withdrawals outpace growth, the calculator shows exactly how long the money lasts.
How to use the SWP Calculator
- Enter your starting corpus and desired monthly withdrawal.
- Set the expected annual return and the withdrawal period.
- Read the remaining corpus — or how long the money lasts if it depletes.
Frequently asked questions
What is an SWP?
The reverse of a SIP: instead of investing monthly, you redeem a fixed amount monthly from a mutual fund corpus, commonly used for retirement income.
How do I make a corpus last forever?
Keep the monthly withdrawal at or below the corpus's monthly growth: roughly corpus × annual return ÷ 12. Withdraw more than that and the principal starts depleting.
Is SWP better than a fixed deposit for monthly income?
SWP from a fund offers market-linked growth and potentially better post-tax outcomes, but the corpus can fall in bad markets; an FD's payout is fixed and predictable. Many retirees blend both.