SWP Calculator (India) — Systematic Withdrawal Plan Simulator
Model a Systematic Withdrawal Plan on Indian mutual funds: enter your corpus, expected annual return and monthly withdrawal to see exactly how long the money lasts. This SWP monthly withdrawal calculator also works in reverse — set a target duration to find your maximum sustainable monthly SWP, solve the return rate your plan needs, and compare SWP vs lump sum side by side.
A systematic withdrawal plan India investors can test in seconds — every calculation runs 100% in your browser, nothing is uploaded.
How long will my SWP last?
Maximum monthly SWP for a target duration (reverse SWP calculator)
The SWP calculator monthly withdrawal solver below finds the largest fixed payout your corpus can sustain for the chosen duration.
What return does my SWP need to survive? (SWP sustainability calculator)
SWP vs lump sum comparison
How this SWP calculator works (methodology)
Every number from this systematic withdrawal plan calculator comes from one transparent simulation — no black boxes. Your SWP withdrawal rate (monthly withdrawal × 12 ÷ corpus) is compared against monthly compounding, month by month, for up to 50 years — effectively an SWP withdrawal rate calculator with the full annual schedule visible:
- Effective monthly rate. An annual return r becomes the monthly rate m = (1+r)1/12 − 1 — the effective rate, not r/12. At 12% that is 0.9488% per month, not 1% — so an SWP calculator 12 percent return input compounds to exactly 12% a year, not 12.68%.
- End-of-month withdrawals. Each month the corpus first grows by m, then your fixed amount is withdrawn. The final withdrawal may be partial.
- Depletion stop. The simulation stops the month the corpus hits zero and reports years + months survived, total withdrawn and total growth — the SWP corpus depletion calculator view. If the corpus never depletes within 600 months, that is reported instead of inventing a longer horizon.
- Reverse mode. Maximum monthly SWP for n months uses the closed-form end-of-month annuity: W = PV·m·(1+m)n / ((1+m)n − 1), then round-trip simulated to confirm the corpus exhausts exactly at month n.
- Return-needed mode. Bisection search finds the smallest annual return that sustains your withdrawal for the target duration; if even 100% per year cannot, the tool says so.
SWP calculator — frequently asked questions
What is a systematic withdrawal plan (SWP) calculator?
A systematic withdrawal plan (SWP) calculator estimates how long your mutual fund corpus will last when you withdraw a fixed amount every month. Enter your starting corpus, expected annual return and monthly withdrawal, and this mutual fund SWP calculator for India shows how many years and months the money survives, the total amount withdrawn and a year-by-year table of the remaining corpus.
How long will my SWP last? (worked example)
It depends on whether monthly growth covers the withdrawal. For example, a Rs 50,00,000 corpus at 12 percent annual return with a Rs 60,000 monthly withdrawal lasts 13 years and 10 months (166 months): total withdrawn Rs 99,37,383.31, total growth Rs 49,37,383.31, ending at zero. In year 1 the corpus grows Rs 5,61,210.13 while Rs 7,20,000 is withdrawn, leaving Rs 48,41,210.13. Drop the withdrawal to Rs 40,000 and the same corpus never depletes within the 50-year model horizon, because monthly growth of about Rs 47,444 exceeds the withdrawal.
How do I calculate the maximum monthly SWP for a fixed duration?
Use the reverse SWP calculator mode: enter your corpus, expected return and target duration, and it solves the maximum sustainable monthly withdrawal with the end-of-month annuity formula. For example, a Rs 50,00,000 corpus at 12 percent annual return supports a monthly SWP of Rs 69,973.59 for exactly 10 years (120 months) — verified by round-trip simulation, which confirms the corpus is exhausted precisely at month 120.
What annual return do I need to sustain my SWP?
The SWP sustainability calculator solves this by bisection search: for example, withdrawing Rs 20,000 per month for 15 years from a Rs 20,00,000 corpus needs about 9.07 percent annual return. If no return up to 100 percent per year can sustain the plan, the tool says so instead of guessing. This is the return-needed mode, not a prediction of what any fund will deliver.
SWP vs lump sum: which leaves me with more money?
The SWP vs lump sum comparison grows the same corpus untouched for the same horizon and puts it next to the SWP outcome (total withdrawn plus leftover). Example: Rs 50,00,000 at 12 percent for 15 years — the SWP of Rs 40,000 per month pays out Rs 72,00,000 and leaves Rs 85,09,515.46, while the untouched lump sum grows to Rs 2,73,67,828.80. The lump sum almost always ends larger because nothing is withdrawn; the SWP column shows the income you actually received. The trade-off is income now versus corpus later.
Is SWP better than a fixed deposit for monthly income?
They solve different problems: a fixed deposit gives a guaranteed rate, while an SWP on mutual funds can potentially outpace inflation but the return is not guaranteed and the corpus can deplete if withdrawals exceed growth. This SWP return calculator shows the depletion risk explicitly with the months-until-empty figure, instead of assuming the plan always survives.
How is this different from a retirement withdrawal calculator?
This tool models the Systematic Withdrawal Plan as offered by Indian mutual funds under SEBI — a product-specific simulator with monthly redemptions at NAV. It is not a US retirement-withdrawal planner with Social Security and taxes (queued separately in our catalogue as retirement-withdrawal), not a generic savings-withdrawal simulator (queued separately as savings-withdrawal), and not an annuity or NPS accumulation tool. Each product keeps its own calculator so the assumptions stay honest.
What assumptions does the SWP simulator use?
Five explicit assumptions: (1) withdrawals happen at the end of each month, after that month's growth; (2) the monthly rate is the effective rate (1+r)^(1/12)-1, not r divided by 12; (3) returns are constant every month — real markets are not; (4) no taxes, exit loads, expense ratios or inflation adjustments; (5) the final withdrawal may be a partial one. Change any assumption and the real outcome changes too.
How does an SWP actually work in a mutual fund?
Each month the fund redeems enough units at the prevailing NAV to pay your fixed amount, so the number of units falls while the remaining units keep compounding. If the fund earns more than you withdraw, the corpus can still grow; if you withdraw more than it earns, the corpus shrinks and the SWP ends early. That is exactly what the corpus depletion schedule in the annual table on this page simulates, year by year.
Is this SWP calculator financial advice?
No. This is an educational estimate, not financial advice. Expected returns are your assumption, not a promise — mutual fund investments are subject to market risk, so read all scheme documents carefully. For personal decisions, consult a SEBI-registered investment adviser.
Disclaimer: this SWP calculator provides educational estimates only and is not financial advice. Mutual fund investments are subject to market risk; expected returns entered here are assumptions, not guarantees. Past performance does not indicate future returns. Consult a SEBI-registered investment adviser before investing. All calculations run 100% in your browser — no data leaves your device.
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