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SWP Calculator

SIPSWP
₹
₹
%
Yr
Total withdrawal
Final value
Total investment₹10,00,000
Total withdrawal₹12,00,000
Final value₹3,57,682

What this calculator is telling you — in plain words

No jargon. Here's exactly what an SWP is and what each number on this page means.

?What is an SWP?

SWP stands for Systematic Withdrawal Plan. You park a lump sum in a mutual fund, and then take out a fixed amount every month — like building your own monthly pension or salary. The money you haven't withdrawn yet keeps growing, so a good SWP can pay you for years.

4The four things you enter

Total investmentThe one-time lump sum you start with.
Withdrawal per monthThe fixed amount you take out every month for your expenses.
Expected return rateThe yearly growth on the money still invested. An estimate, not a promise.
Time periodHow many years you keep withdrawing.

=How the maths works (simply)

Think of it month by month: your remaining money grows a little with returns, and then your monthly withdrawal is taken out. Whatever is left carries over to the next month and the cycle repeats. At the end, the calculator shows you:

• Total investment — the lump sum you started with.
• Total withdrawal — all the money you pulled out over the years (monthly amount × number of months).
• Final value — what's still left in the fund at the end.

!The most important thing to notice

If your monthly withdrawal is larger than what your money earns, the corpus slowly shrinks and can run out. When that happens, this calculator shows you roughly when the money would finish — so you can lower the withdrawal or check your plan with us.

For example: a ₹10,00,000 lump sum, withdrawing ₹10,000 a month for 10 years at an assumed 8% a year — you'd take out ₹12,00,000 in total, and still have about ₹3.58 lakh left at the end, because the invested money kept growing.

This calculator is for illustration only. The returns shown are based on the expected rate you enter and are not guaranteed — actual mutual fund returns vary with market performance, so a real SWP corpus may last a shorter or longer time than shown. Mutual fund investments are subject to market risks; read all scheme related documents carefully before investing. Financially Free is an AMFI-registered Mutual Fund Distributor (ARN-350272). Have a question?