SWP Calculator
How long your corpus lasts with a Systematic Withdrawal Plan — and what is left at the end.
Result
How to use
- 1
Enter the amount you invest and how much you will withdraw each month.
- 2
Set the expected yearly return and time period.
- 3
See the total withdrawn, the final value and a yearly table.
Questions
What is an SWP?
A Systematic Withdrawal Plan lets you take a fixed amount from a mutual fund every month while the rest stays invested. It is popular for regular income after retirement.
How long will my money last?
If your monthly withdrawal is more than the monthly return on the corpus, the balance slowly falls. The calculator shows when it runs out, if it does.
Are SWP withdrawals taxed?
Each withdrawal is partly your own money and partly gains. Only the gains portion is taxed as capital gains, so SWP is often more tax-efficient than interest income.
About this SWP tool
SWP Calculator — How long your corpus lasts with a Systematic Withdrawal Plan — and what is left at the end. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. Enter the amount you invest and how much you will withdraw each month.
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Results are estimates to help you plan. They are not financial, tax or medical advice.