SWP calculator
An SWP (systematic withdrawal plan) takes a fixed amount out of a mutual fund every month, often as an income in retirement. What is left keeps earning the fund's return.
How long a sum lasts when you withdraw a fixed amount from it every month
Your figures
₹
₹10,000₹10,00,00,000
₹
₹500₹5,00,000
%
1%20%
years
1 year40 years
Left at the end
₹7,56,072
- Sum invested
- ₹10,00,000
- Withdrawn in all
- ₹9,60,000
The money lasts the whole period.
Left at each year end
What if
₹2,000 more a month
₹3,90,180
₹3,65,892 lower
A return 2% lower
₹5,08,362
₹2,47,710 lower
10 more years
₹2,14,639
₹5,41,433 lower
How it is worked out
Each month the balance earns a twelfth of the yearly rate, then the withdrawal is taken. When the balance cannot pay a full withdrawal, it pays what is left and the plan ends.
Tax on the gains in each withdrawal is not taken off.