A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund corpus every month while the remaining balance stays invested and continues to grow.

How long will my SWP last?

Depends on corpus, monthly withdrawal and return. The calculator simulates each month — Balance = Balance × (1 + r/12) − Withdrawal — and reports when it runs out.

Is SWP better than monthly dividend?

Yes for most investors. SWP gives a fixed predictable amount and is more tax-efficient than dividend payouts which are taxed at slab rate.

Each withdrawal is treated as a redemption — gains are taxed as STCG or LTCG depending on holding period and equity/debt classification.

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SWP Calculator

Plan systematic withdrawals from your mutual fund corpus.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Total Corpus₹10.0L

₹1L₹5Cr

Monthly Withdrawal₹8,000

₹1K₹5L

Expected Return (% p.a.)8%

1%20%

Period (years)10 yrs

140

Total Withdrawn₹9,60,000

Remaining Balance₹7,56,072

Exhausted InLasts full period

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About this calculator

An SWP lets you withdraw a fixed amount monthly from a mutual fund corpus while the rest stays invested and grows.

Formula

Each month: Balance = Balance × (1 + r/12) − Withdrawal

Frequently Asked Questions

Everything you need to know about the SWP Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.