SWP Calculator - Systematic Withdrawal Plan

Your details

The lump-sum amount you invest at the start of the SWP.
The fixed amount you want to withdraw at each interval.
How often withdrawals are made from the fund.
The annualised return you expect from the mutual fund.
%
How many years the SWP should run.
years
Currency
Final Corpus Value
₹658,592

Remaining investment value after all withdrawals over the full duration.

Total Withdrawn₹1,200,000
Total Returns Earned₹858,592
Total Value (Corpus + Withdrawals)₹1,858,592
Corpus LastsAbout 17 years and 12 months
Returns Earned₹858,592
Total Withdrawn₹1,200,000
Final Corpus₹658,592

After 10 years, your remaining corpus is positive.

  • Your corpus earns roughly 0.833% per period; your withdrawal rate is 12.00% per year of the initial investment.
  • Withdrawals exceed period returns, so the corpus shrinks gradually with each payment.
  • Returns covered 72% of your total withdrawals; the rest came from your original capital.

Next stepConsider reviewing the withdrawal amount annually and stepping it up with inflation to maintain purchasing power.

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