Investments & Wealth
SWP Calculator
Plan monthly withdrawals from your corpus and see how long it will last
SWP details
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Corpus lasts for
0 months
How the SWP Calculator works
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount monthly from your mutual fund while the remaining corpus continues to earn returns. Each month the balance grows at the monthly rate, then your withdrawal is deducted.
If returns exceed withdrawals, the corpus can last indefinitely. If withdrawals exceed growth, the corpus eventually depletes — this calculator shows exactly when.
Why use it
Detailed features
Retirement income
Plan regular income from your accumulated mutual fund corpus.
Depletion timeline
Know exactly how many months your corpus sustains your withdrawal.
Month-by-month sim
Accurate simulation with monthly growth then withdrawal.
On the go
Also in the free Toolance Android app.
Frequently asked questions
SWP means Systematic Withdrawal Plan. You invest a lump sum and withdraw a fixed amount regularly while the rest stays invested. Retirees often use it for monthly income.
It depends on starting corpus, monthly withdrawal, return assumption and whether returns are steady. Our calculator projects balance over time at the rate you enter.
Real spending rises over years. If you withdraw a flat rupee amount, purchasing power falls. Consider stepping up withdrawals or keeping a buffer corpus.
SWP from debt or hybrid funds may offer flexible tax treatment but carries market and credit risk. FD gives fixed assured interest up to deposit insurance limits. Compare post-tax income with your CA.
You sell more units when NAV is low, which can shrink the corpus faster. Keeping 1 to 2 years expenses in liquid or arbitrage funds can reduce forced sales in a downturn.
Each withdrawal can have capital gains component depending on fund type and holding period. Rules differ for equity and debt funds. This tool does not compute tax.
This is a projection tool only. Build a full retirement plan with inflation, medical costs and professional advice before you depend on SWP alone.
Yes. Free to use on Toolance with no registration.