SWP Calculator - Systematic Withdrawal Plan

Simulate retirement cash flow withdrawals and track how long your mutual fund corpus will last.

Reviewed for Budget 2025 • Last updated 21 June 2026 • by Sandesh D.

SWP Parameters

Total Corpus₹10,00,000
Initial retirement capital to invest
₹
Monthly Withdrawal₹10,000
Amount you plan to withdraw every month
₹
Expected Return (% p.a.)9%
Assumed annual rate of return on the remaining balance
%
Calculation Goal

Withdrawal Analysis

Corpus Lifespan

15 Years & 6 Months

Balance Curve15 Years & 6 Months Max
Initial Corpus₹10,00,000
Total Withdrawn₹18,55,325
Total Returns Earned₹8,55,325

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Calculation Methodology & Rules

The Systematic Withdrawal Plan (SWP) Calculator simulates month-by-month cash outflows and growth of an investment corpus.

SWP Monthly Compounding Logic

For each month t, the balance is calculated using:

Balancet = Balancet-1× (1 + i) - Withdrawal

Where:

  • i: Monthly interest rate (Expected annual return % / 12 / 100)
  • Withdrawal: Fixed monthly withdrawal amount, capped at the remaining balance plus interest.

Indefinite Sustain Guard

If your monthly withdrawal (W) satisfies the condition:
W ≤ Corpus × i
the monthly returns exceed the withdrawal amount. In this case, the corpus will grow or stay constant, meaning the plan can sustain itself indefinitely.

For detailed rules, formulas, references, and official guidelines, see the complete Ganakam Calculation Methodology.

Frequently Asked Questions

A Systematic Withdrawal Plan (SWP) is a facility that allows you to withdraw a fixed amount of money from your mutual fund scheme at regular intervals (usually monthly), while the remaining balance continues to earn returns.

The duration depends on your initial corpus size, the monthly withdrawal amount, and the expected annual return rate. If your monthly withdrawal exceeds the monthly returns earned by the corpus, the balance will eventually deplete to zero. The calculator simulates this exact monthly lifecycle.

Yes. If your monthly withdrawal is less than or equal to the monthly growth (interest/returns) earned by the corpus, your principal will remain intact or even grow over time, sustaining your withdrawals indefinitely.

Each SWP withdrawal is treated as a redemption of mutual fund units. The tax is calculated on the capital gains component of the withdrawn amount, not the principal. Equity funds are subject to STCG (20%) or LTCG (12.5% after ₹1.25L exemption), while debt funds are taxed at your slab rate.