SWP calculator
See how a lump sum changes when you withdraw a fixed amount every month, and whether it lasts for the period you choose.
- Final value
- ₹3,77,983.48₹3.8 lakh
- Total withdrawn
- ₹12,00,000.00₹12 lakh
| Year | Balance at year end |
|---|---|
| 1 | ₹9,57,670 |
| 2 | ₹9,11,827 |
| 3 | ₹8,62,179 |
| 4 | ₹8,08,410 |
| 5 | ₹7,50,179 |
| 6 | ₹6,87,114 |
| 7 | ₹6,18,815 |
| 8 | ₹5,44,847 |
| 9 | ₹4,64,740 |
| 10 | ₹3,77,983 |
Estimates for illustration only. Actual returns and loan terms vary, and market-linked investments carry risk. This is not financial advice.
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Join the betaHow it's calculated
The monthly rate is the expected annual return divided by 12.
Each month, the withdrawal is taken first - never more than the balance - and then the remaining balance grows by the monthly rate.
If the balance reaches zero before the period ends, the calculator shows the month in which it runs out.
Questions
What is an SWP?
A systematic withdrawal plan takes a fixed amount out of an investment at regular intervals, while the rest stays invested.
Why does my corpus run out?
If you withdraw more each month than the corpus earns, the balance falls every month until it reaches zero. A smaller withdrawal or a higher return makes it last longer.
Does this include tax on withdrawals?
No. Withdrawals from mutual funds can be taxed as capital gains, and exit loads may apply. The calculator shows amounts before tax.