What is a SWP calculator?
A SWP (Systematic Withdrawal Plan) calculator estimates how long your mutual fund corpus can sustain fixed monthly withdrawals while the remaining balance continues to earn returns. SWP is the reverse of SIP—you invest a lump sum upfront and withdraw a set amount each month.
Enter your total investment, monthly withdrawal amount, expected annual return, and tenure. The tool shows total withdrawn, remaining corpus (final value), and your initial investment. Actual fund returns vary; treat the output as a planning estimate.
How can a SWP calculator help you?
SWP is popular among retirees and anyone who needs regular income from a mutual fund corpus without redeeming the entire investment at once.
- Check whether your corpus can sustain a desired monthly withdrawal over your planned horizon.
- See total cash withdrawn versus the remaining balance at the end of the tenure.
- Compare scenarios by adjusting withdrawal amount, return assumption, or time period.
How does this SWP calculator work?
Each month, the calculator applies the effective monthly return (the same CAGR-based rate used by Groww’s SIP calculator), then subtracts your fixed withdrawal. This matches Groww’s live SWP calculator.
Worked example
Invest ₹50,000 and withdraw ₹1,000 per month for 12 months at 10% annual return. Each month the corpus earns the effective monthly return, then ₹1,000 is withdrawn. After 12 months, roughly ₹42,459 remains in the corpus while ₹12,000 has been withdrawn.
How to use this SWP calculator
Set total investment (corpus), withdrawal per month, expected return (p.a.), and time period in years. Results update as you adjust sliders or edit values.
To plan accumulation before withdrawals, use the lumpsum calculator or SIP calculator.
What this calculator does not include
Tax on capital gains, exit load, expense ratio, and return volatility are not modeled. Withdrawals are assumed fixed each month with no step-up for inflation.
Frequently asked questions
What is the difference between SWP and SIP?
SIP builds wealth through regular investments. SWP withdraws a fixed amount from an existing corpus while the remainder stays invested.
Can my corpus run out before the tenure ends?
Yes. If monthly withdrawals plus zero or low returns deplete the balance, the remaining corpus falls to zero and stays there for the rest of the tenure.
Are SWP results guaranteed?
No. Figures are illustrative estimates based on constant return assumptions. Actual mutual fund NAVs fluctuate every day.