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SWP Calculator
Calculate how long your investment will last with systematic withdrawals and track your portfolio value over time.
Input Parameters
Portfolio Breakdown
Portfolio Value Over Time
Monthly Breakdown
| Month | Opening Balance | Growth | Withdrawal | Closing Balance |
|---|---|---|---|---|
| 1 | ₹10,00,000 | +₹10,000 | -₹8,000 | ₹10,02,000 |
| 2 | ₹10,02,000 | +₹10,020 | -₹8,000 | ₹10,04,020 |
| 3 | ₹10,04,020 | +₹10,040.2 | -₹8,000 | ₹10,06,060.2 |
| 4 | ₹10,06,060.2 | +₹10,060.6 | -₹8,000 | ₹10,08,120.8 |
| 5 | ₹10,08,120.8 | +₹10,081.21 | -₹8,000 | ₹10,10,202.01 |
| 6 | ₹10,10,202.01 | +₹10,102.02 | -₹8,000 | ₹10,12,304.03 |
| 7 | ₹10,12,304.03 | +₹10,123.04 | -₹8,000 | ₹10,14,427.07 |
| 8 | ₹10,14,427.07 | +₹10,144.27 | -₹8,000 | ₹10,16,571.34 |
| 9 | ₹10,16,571.34 | +₹10,165.71 | -₹8,000 | ₹10,18,737.05 |
| 10 | ₹10,18,737.05 | +₹10,187.37 | -₹8,000 | ₹10,20,924.43 |
| 11 | ₹10,20,924.43 | +₹10,209.24 | -₹8,000 | ₹10,23,133.67 |
| 12 | ₹10,23,133.67 | +₹10,231.34 | -₹8,000 | ₹10,25,365.01 |
| Showing first 12 months. Total duration: 120 months | ||||
How SWP is Calculated
An SWP calculator projects how your invested corpus behaves month by month once you start withdrawing a fixed amount, so you can see how long the money will last and how much you would have withdrawn in total by the end of the period.
Monthly Growth = Opening Balance × (Annual Return Rate ÷ 12 ÷ 100)
Closing Balance = Opening Balance + Monthly Growth − Withdrawal Amount
The Closing Balance becomes the next month's Opening Balance, and this repeats until the withdrawal period ends or the balance reaches zero.
Important Notes:
- • SWP calculations assume a constant monthly return rate
- • Actual market returns may vary significantly from the expected rate
- • Consider market volatility and sequence of returns risk
- • Tax implications on withdrawals are not included in these calculations
- • Portfolio may get exhausted before the planned period if returns are lower than expected
SWP Calculator FAQs
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment at regular intervals, typically monthly, while the remaining balance stays invested and continues to grow (or shrink) based on market returns. It's commonly used to generate a regular income stream, for example during retirement.
Can my SWP investment run out before the withdrawal period ends?
Yes. If your withdrawal amount is too high relative to your investment's growth rate, the balance can be depleted before your planned period ends. This calculator's monthly breakdown shows exactly when the portfolio would be exhausted if returns match your assumed rate.
How is the monthly growth and withdrawal calculated?
Each month, the opening balance first grows by the assumed monthly return rate (annual rate ÷ 12), and then the withdrawal amount is deducted from the grown balance to get the closing balance, which becomes the next month's opening balance.
Is SWP income taxable?
Each SWP withdrawal is treated as a partial redemption of mutual fund units and is subject to capital gains tax (short-term or long-term, depending on the holding period and fund type), not income tax on the full withdrawal amount. This calculator does not factor in taxes — consult a tax advisor for your specific situation.
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