A Systematic Withdrawal Plan (SWP) pays you a fixed amount from a mutual fund every month while the remaining money stays invested. This calculator shows how long a corpus can support a given withdrawal.
How the SWP calculator works
Each month the balance first grows by the monthly return, then the withdrawal is taken out:
Balance = Balance × (1 + i) − Withdrawal
If the withdrawal is larger than what the balance earns, the corpus shrinks every month and eventually runs out. The “Money lasts” line tells you when that happens.
Frequently asked questions
How much can I withdraw safely?
A withdrawal lower than what the corpus earns in a year keeps the balance from falling. Higher withdrawals eat into capital, so test several amounts.
Are SWP withdrawals taxed?
Each withdrawal is treated as a redemption of units, and capital gains tax applies to the gain portion. This calculator does not deduct tax.
Is the return fixed?
No. Fund returns vary year to year, and a poor early period can shorten how long the money lasts.
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This calculator is for education and illustration. Results are estimates based on the numbers you enter and are not a prediction, guarantee or investment advice.