Pay Bill
SWP Calculator - Systematic Withdrawal Plan Calculator
Secure a steady cash flow with our Best SWP Calculator.
Check how much you can withdraw while keeping your investments growing.
Systematic Withdrawal Plan (SWP)
A Systematic Withdrawal Plan (SWP) lets you take out a fixed amount from your mutual fund at regular intervals (monthly, quarterly, or yearly) while the rest of your investment stays invested and continues to grow.
Take this quick example: Invest ₹2 lakh in ICICI Prudential Bluechip Fund and withdraw ₹15,000 per month. Each month, your withdrawal reduces the invested amount, but the remaining balance keeps earning returns.
SWPs help create a steady cash flow, perfect for supplementing income, managing expenses, or planning post-retirement finances. All of this without redeeming your entire corpus at once.
Curious to see exactly how much you can withdraw and how long your investment can last? Try our Systematic Withdrawal Plan Calculator next.
Systematic Withdrawal Plan Calculator
Our SWP Calculator helps you estimate your monthly or periodic withdrawals from a mutual fund investment. By entering your total investment, expected returns, and withdrawal amount, you can see how long your money will last.
You can choose withdrawals monthly, quarterly, or annually, but monthly is the most common to match regular expenses. The mutual funds SWP calculator assumes withdrawals start from the first month of investment and gives a clear view of your cash flow over time.
Calculate Now
How Does a SWP Calculator Assist?
A SWP calculator tells you how much you can withdraw from your investment each month or how long your corpus will last. You can adjust the inputs there itself and see different scenarios, and plan your withdrawals efficiently.
The advantage of an SWP is that the remaining corpus continues to earn returns, helping your money last longer. Our calculator makes it simple to explore different combinations and find the plan that works best for you.
Pro tip: Smaller withdrawals can extend the life of your investments and allow your corpus to grow more, while larger withdrawals reduce both growth and longevity.
Know How to Use the MyMudra SWP Plan Calculator
MyMudra’s online SWP calculator is very simple to use. You have to slide over to give the tool four data inputs:
- Total Investment …..in ₹
- Withdrawal per month …..in ₹
- Expected Return Rate (p.a.) …..in %
- Time Period (years).....
The SWP calculator uses this data to show three instant key estimates:
- Total Invested Amount
- Total Withdrawal Amount
- Final Value of Your Corpus
Plan your withdrawals smartly and see your investment in action.
Apply TodayThe SWP Calculator Formula With Example
While SWP calculations may seem complex, understanding the basic formula helps you see how systematic withdrawals work. An SWP is a steady, planned drawdown of your capital and returns so your money can last for years, especially after retirement.
The mathematical formula for SWP is:
A = B × (1 + r/n)nt - 1 (r/n)
Components:
- A - Expected value of the remaining investment
- B - Amount withdrawn at each interval (SWP instalment)
- r - Annual rate of return on the investment
- n - Frequency of compounding (usually monthly)
- t - Total number of withdrawal intervals
Example:
You invest ₹2,00,000 in a mutual fund. You need to withdraw ₹10,000 per month for 2 years. If the expected annual return is 8% with monthly compounding, then:
- B = ₹10,000
- r = 8% (0.08)
- n = 12 (monthly)
- t = 24 months
Using the formula, the remaining corpus after 2 years would be approximately ₹26,500.
This shows how withdrawals reduce your corpus while the remaining balance continues to grow. You don’t have to do the math yourself, as our SWP calculator gives you instant results for any scenario.
Benefits of Using a SWP Calculator Online
Transparency
See exactly how your withdrawals and remaining corpus behave—no guesswork.
Planning
Determine how much you can withdraw while keeping your corpus sustainable.
Cashflow
Receive a regular stream of income, ideal for retirees or monthly expenses.
Growth
Even as you withdraw, the remaining investment continues to earn returns.
Flexibility
Choose your withdrawal amount and frequency—monthly, quarterly, or yearly.
Optimization
Adjust your inputs to explore scenarios and find the best plan.
Simplicity
Makes investing and withdrawal planning easy, even for beginners.
Who Should Use a SWP Calculator?
A Systematic Withdrawal Plan Calculator is useful for anyone looking to plan withdrawals from their mutual fund investments efficiently. People who will find this calculator helpful:
- Those who want a steady income stream without depleting their corpus too quickly.
- Individuals seeking to create a predictable cash flow from mutual funds.
- Professionals looking to simulate different withdrawal scenarios for clients.
- Anyone who wants to understand how withdrawals affect the growth and longevity of their investments.
You must use the best SWP calculator that helps you make informed decisions and optimise your withdrawal strategy. Our SWP plan calculator allows you to explore multiple scenarios and choose accordingly as per your financial goals.
FAQs for SWP Calculator
Who should use a SWP calculator?
Anyone planning regular withdrawals from mutual funds, especially retirees or those seeking a predictable cash flow, can benefit from using the best SWP calculator.
Can I adjust the withdrawal frequency?
Yes! The mutual funds SWP calculator allows you to simulate withdrawals monthly, quarterly, or annually to see how it affects your corpus.
Does the calculator show growth potential?
Absolutely. A SWP plan calculator considers the expected returns on the remaining investment to show potential growth alongside withdrawals.
Is the SWP plan calculator difficult to use?
Not at all. A SWP in mutual fund calculator is user-friendly—simply input your investment, withdrawal amount, tenure, and expected return, and get instant results.
Can I test different scenarios?
Yes! One of the biggest benefits of using the best SWP calculator is that you can tweak inputs and explore multiple withdrawal plans to find the most suitable strategy.