SWP Calculator

Project a fund balance while making regular monthly withdrawals. Enter your own values below to see projected remaining corpus and check the method behind it.

All calculators

Your inputs

Change the example values to match your situation.

Your result

Let’s work it out.

Fill in your inputs and select Calculate.
Your result and breakdown will appear here.

How this calculator works

Compound monthly at annual rate / 12, then withdraw at month end, capped at the available balance.

Before you use the result

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.

KEEP EXPLORING

View category
SIP CalculatorStep-up SIP CalculatorLumpsum Investment CalculatorMutual Fund Returns CalculatorCAGR CalculatorXIRR Calculator

What is SWP Calculator?

SWP Calculator helps you project a fund balance while making regular monthly withdrawals.

The main result is projected remaining corpus, with a breakdown of total withdrawals paid, unfunded planned withdrawals and corpus exhaustion. The formula, example and assumptions below explain how to interpret it.

How to use SWP Calculator

Use the example to get familiar with the form, then enter your own figures. Any rates in the example are illustrative. Check the field labels and units before calculating.

  1. Gather initial investment corpus (₹), monthly withdrawal (₹), expected annual return (%) and withdrawal period in months. Use values from the same situation or reporting period.
  2. Replace the example initial investment corpus with your own value, then complete the other fields. Check the displayed units.
  3. Select Calculate and read projected remaining corpus with its result breakdown. Change one input and calculate again to compare a second scenario. Reset restores the original example.
  • Enter initial investment corpus in ₹, at least 0. Decimals are accepted.
  • Enter monthly withdrawal in ₹, at least 0. Decimals are accepted.
  • Enter expected annual return in %, at least 0 and at most 100. Decimals are accepted.
  • Enter withdrawal period in months, at least 1 and at most 1200. Use a whole number.

SWP Calculator: a worked example

With the inputs below, the result is ₹3,90,179.88 (projected remaining corpus). Follow the example, then replace these illustrative values with your own.

Example inputs and output
Input or outputExample value
Initial investment corpus (₹)₹10,00,000
Monthly withdrawal (₹)₹10,000
Expected annual return (%)8 %
Withdrawal period in months120
Projected remaining corpus₹3,90,179.88
Total withdrawals paid₹12,00,000
Unfunded planned withdrawals₹0
Corpus exhaustionNot exhausted in selected period

Understanding the SWP result

Read projected remaining corpus alongside total withdrawals paid, unfunded planned withdrawals and corpus exhaustion. These describe different parts of the same calculation.

Displayed results use a readable number of decimal places. When checking a result by hand, keep extra precision until the last step. To compare scenarios, change one input at a time and keep the others fixed.

  • Example Total withdrawals paid: ₹12,00,000
  • Example Unfunded planned withdrawals: ₹0
  • Example Corpus exhaustion: Not exhausted in selected period

SWP Calculator: assumptions and common mistakes

A useful estimate starts with the right inputs. Check the following assumptions and limits before applying the result to your situation.

  • Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded.
  • A projected return is an assumption. Check whether fees, tax and inflation are included before comparing products.

For wider guidance, visit SEBI Investor Education. The formula and scope of this specific tool are stated on this page.

SWP Calculator FAQs

What does SWP Calculator calculate?

SWP Calculator helps you project a fund balance while making regular monthly withdrawals. Its main output is projected remaining corpus in ₹.

What inputs do I need for SWP Calculator?

You need initial investment corpus (₹), monthly withdrawal (₹), expected annual return (%) and withdrawal period in months. Use the field labels and units to match your figures to the formula.

Which formula does SWP Calculator use?

Compound monthly at annual rate / 12, then withdraw at month end, capped at the available balance.

What is a worked example for SWP Calculator?

Example inputs: Initial investment corpus: ₹10,00,000; Monthly withdrawal: ₹10,000; Expected annual return: 8 %; Withdrawal period in months: 120. The result is ₹3,90,179.88 (projected remaining corpus).

How should I enter initial investment corpus?

Enter initial investment corpus in ₹, at least 0. Decimals are accepted.

How do I choose monthly withdrawal?

Enter monthly withdrawal in ₹, at least 0. Decimals are accepted. The example uses ₹10,000; replace it if your circumstances differ.

How should I read projected remaining corpus?

Read projected remaining corpus alongside total withdrawals paid, unfunded planned withdrawals and corpus exhaustion. These describe different parts of the same calculation.

Why might my SWP Calculator result differ from my records?

Projection using the rate you enter, not a guaranteed return or live product quote. Unless stated otherwise, taxes, fees and inflation are excluded. Differences in entered values, units or rounding can also change the comparison.

Can I compare two scenarios in SWP Calculator?

Yes. Note your first projected remaining corpus, change initial investment corpus or another input, and select Calculate again. Editing a field clears the old result so it is not mistaken for a new calculation.

Is SWP Calculator free, and where are my inputs calculated?

This calculator is free to use without signing in. Its formula runs in your browser; calculator inputs are not sent to a calculation API. The inputs reset to the example values when you reset the form or start a fresh page.