SWP Calculator
Plan systematic withdrawals from your mutual fund corpus — see how long it lasts.
Corpus lasts the full 20 years with ₹62.66 L remaining
Total Withdrawn
₹96.00 L
Over 20y 0m
Starting Corpus
₹50.00 L
Final Balance
₹62.66 L
Monthly
₹40.00 K
Corpus Balance Over Time
Year-wise Breakdown
| Year | Opening | Withdrawn | Growth | Closing |
|---|---|---|---|---|
| Yr 1 | ₹50.00 L | ₹4.80 L | ₹5.01 L | ₹50.21 L |
| Yr 2 | ₹50.21 L | ₹4.80 L | ₹5.03 L | ₹50.44 L |
| Yr 3 | ₹50.44 L | ₹4.80 L | ₹5.06 L | ₹50.70 L |
| Yr 4 | ₹50.70 L | ₹4.80 L | ₹5.08 L | ₹50.98 L |
| Yr 5 | ₹50.98 L | ₹4.80 L | ₹5.11 L | ₹51.29 L |
| Yr 6 | ₹51.29 L | ₹4.80 L | ₹5.14 L | ₹51.64 L |
| Yr 7 | ₹51.64 L | ₹4.80 L | ₹5.18 L | ₹52.02 L |
| Yr 8 | ₹52.02 L | ₹4.80 L | ₹5.22 L | ₹52.44 L |
| Yr 9 | ₹52.44 L | ₹4.80 L | ₹5.26 L | ₹52.90 L |
| Yr 10 | ₹52.90 L | ₹4.80 L | ₹5.31 L | ₹53.41 L |
| Yr 11 | ₹53.41 L | ₹4.80 L | ₹5.37 L | ₹53.98 L |
| Yr 12 | ₹53.98 L | ₹4.80 L | ₹5.43 L | ₹54.61 L |
| Yr 13 | ₹54.61 L | ₹4.80 L | ₹5.49 L | ₹55.30 L |
| Yr 14 | ₹55.30 L | ₹4.80 L | ₹5.56 L | ₹56.06 L |
| Yr 15 | ₹56.06 L | ₹4.80 L | ₹5.64 L | ₹56.91 L |
| Yr 16 | ₹56.91 L | ₹4.80 L | ₹5.73 L | ₹57.84 L |
| Yr 17 | ₹57.84 L | ₹4.80 L | ₹5.83 L | ₹58.87 L |
| Yr 18 | ₹58.87 L | ₹4.80 L | ₹5.94 L | ₹60.01 L |
| Yr 19 | ₹60.01 L | ₹4.80 L | ₹6.06 L | ₹61.27 L |
| Yr 20 | ₹61.27 L | ₹4.80 L | ₹6.19 L | ₹62.66 L |
SWP Calculator visual insights
Future value
₹50.46 L
Growth
₹32.46 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About SWP Calculator
SWP Calculator helps you estimate investment growth, required contribution, annualised return, and future corpus using India-focused assumptions and INR formatting. Plan systematic withdrawals from your mutual fund corpus — see how long it lasts.
This tool is useful for Indian investors planning SIPs, mutual funds, deposits, inflation-adjusted goals, and portfolio returns. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What is SWP in mutual funds?
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund corpus every month while the remaining balance keeps earning returns — ideal for retirement income.
Is SWP better than dividends for retirement income?
Yes, for most retirees. SWP gives predictable cash flow and is more tax-efficient — only the gains portion of each withdrawal is taxed, whereas dividends are fully taxed at slab rate.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026