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Finance Calculators

SWP Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
₹
%
5 years
1 years40 years
Verified formula Private

Final value

₹7,55,077

Total withdrawn
₹6,00,000
Amount invested
₹10,00,000
YearBalance
1₹9,58,500
2₹9,13,556
3₹8,64,881
4₹8,12,167
5₹7,55,077
View chart data
balance
1958500.25
2913556.03
3864881.47
4812166.95
5755077.15

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the SWP Calculator

The SWP Calculator works out your final value, along with 2 related figures in an instant. Enter total investment, monthly withdrawal and expected return (p.a.) and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the total investment.
  2. Enter the monthly withdrawal.
  3. Enter the expected return (p.a.).
  4. Set the time period.
  5. Read off your final value, together with total withdrawn and amount invested — the calculator updates automatically, with no button to press.

Worked example

For example, with total investment of ₹1,000,000, monthly withdrawal of ₹10,000, expected return (p.a.) of 8% and time period of 5 years, the final value is ₹7,55,077.

Inputs used
Total investment ₹1,000,000
Monthly withdrawal ₹10,000
Expected return (p.a.) 8%
Time period 5 years
Results
Final value ₹7,55,077
Total withdrawn ₹6,00,000
Amount invested ₹10,00,000

Results are estimates for educational use, not professional advice.

Frequently asked questions

A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund investment at regular intervals while the remaining corpus stays invested and continues to earn returns.

The corpus grows at the expected return while each withdrawal reduces it. The final value equals the invested amount compounded, minus the future value of all the withdrawals made.

Yes. If your withdrawal rate is higher than the returns, the balance steadily falls and can reach zero. A withdrawal at or below the return rate is more sustainable.

Each withdrawal is treated as a partial redemption, so the gain portion is subject to capital gains tax depending on the fund type and holding period. This tool shows pre-tax figures.

Enter the total investment. Enter the monthly withdrawal. Enter the expected return (p.a.). Set the time period. Read off your final value, together with total withdrawn and amount invested — the calculator updates automatically, with no button to press.

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