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SWP calculator: how long a corpus may last
A systematic withdrawal plan (SWP) pays you a fixed amount every month from your investment. Check how long a corpus may last at the withdrawal and return you assume.
Systematic Withdrawal Plan
Check how long a corpus may last with a fixed monthly withdrawal.
₹
₹
%
yrs
Withdrawing ₹30k a month for 20 years
Balance at the end₹69.63 L
Total withdrawn₹72.00 L
Corpus lastsFull 20 yrs
Balance remaining₹69.63 L
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How this calculator works
What an SWP is
With an SWP, a fixed amount is redeemed from a mutual fund scheme every month and paid to your bank account. The rest stays invested.
How the maths works
Each month, the remaining balance grows at the assumed annual return (annual rate ÷ 12), and then the withdrawal is taken out. If the balance runs out, the calculator shows when.
Tax and costs
Each withdrawal is a redemption and may be taxed as capital gains. Taxes, exit loads and costs are not deducted here.
Assumptions and limits
- Returns are assumed to be the same every year. Real returns vary from year to year and can be low or negative.
- Return assumptions are kept within the 2%–13% range that AMFI permits for illustrations. They are not forecasts or the returns of any scheme.
- Taxes, exit loads and other costs are not deducted.
- Past performance may or may not be sustained in future. Mutual Fund investments are subject to market risks; read all scheme related documents carefully.