SIP Calculator India
Estimate mutual fund SIP maturity value, invested amount, and wealth gain.
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Investments
SWP Calculator India
Plan monthly withdrawals from your corpus and see whether the money may last through your chosen period.
1Enter corpus
Add your current investment balance.
2Set income
Choose monthly withdrawal and yearly increase.
3Check survival
See if corpus lasts for the planning period.
4Adjust safely
Lower withdrawal or increase corpus if risk is high.
Starting Corpus
Total amount available for SWP withdrawals.
RsINR
Rs 0Rs 10Cr
Monthly Withdrawal
Amount withdrawn every month for expenses.
RsINR
Rs 0Rs 10L
Corpus may last17 yr 2 moProjected balance reaches zero in this period.
Total withdrawn₹1.03 Cr
Estimated returns₹52.93 L
Final balance₹0
Monthly withdrawal₹30,000
Withdrawal rate7.2%
Risk view (rate based)High risk
Corpus Balance Projection
The line shows estimated corpus after monthly withdrawals and market-linked returns.
Year 1₹50.41 LWithdrawn ₹3.6 L
Corpus depleted₹0Withdrawn ₹1.37 L
Estimated Corpus Balance Monthly withdrawals increase by 6% yearly
Yearly SWP Projection
Shows opening balance, withdrawals, estimated returns, and closing balance for each year.
| Year | Opening Balance | Withdrawn This Year | Estimated Returns | Closing Balance | Withdrawal Rate |
|---|---|---|---|---|---|
| 1 | ₹50 L | ₹3.6 L | ₹4.01 L | ₹50.41 L | 7.2% |
| 2 | ₹50.41 L | ₹3.82 L | ₹4.04 L | ₹50.64 L | 7.57% |
| 3 | ₹50.64 L | ₹4.04 L | ₹4.05 L | ₹50.65 L | 7.99% |
| 4 | ₹50.65 L | ₹4.29 L | ₹4.04 L | ₹50.4 L | 8.47% |
| 5 | ₹50.4 L | ₹4.54 L | ₹4.01 L | ₹49.87 L | 9.02% |
| 6 | ₹49.87 L | ₹4.82 L | ₹3.96 L | ₹49.01 L | 9.66% |
| 7 | ₹49.01 L | ₹5.11 L | ₹3.88 L | ₹47.78 L | 10.42% |
| 8 | ₹47.78 L | ₹5.41 L | ₹3.76 L | ₹46.13 L | 11.33% |
| 9 | ₹46.13 L | ₹5.74 L | ₹3.61 L | ₹44.01 L | 12.44% |
| 10 | ₹44.01 L | ₹6.08 L | ₹3.42 L | ₹41.35 L | 13.82% |
| 11 | ₹41.35 L | ₹6.45 L | ₹3.19 L | ₹38.09 L | 15.59% |
| 12 | ₹38.09 L | ₹6.83 L | ₹2.91 L | ₹34.16 L | 17.94% |
| 13 | ₹34.16 L | ₹7.24 L | ₹2.56 L | ₹29.48 L | 21.2% |
| 14 | ₹29.48 L | ₹7.68 L | ₹2.16 L | ₹23.96 L | 26.04% |
| 15 | ₹23.96 L | ₹8.14 L | ₹1.68 L | ₹17.51 L | 33.96% |
| 16 | ₹17.51 L | ₹8.63 L | ₹1.13 L | ₹10.01 L | 49.28% |
| 17 | ₹10.01 L | ₹9.15 L | ₹48,800 | ₹1.35 L | 91.35% |
| 18 | ₹1.35 L | ₹1.37 L | ₹1,272 | ₹0 | 100.94% |
What this result means
SWP is useful for creating monthly income from an existing corpus. If withdrawals grow faster than portfolio returns, the corpus can reduce quickly.
How to make SWP safer
Start with a lower withdrawal rate: A first-year withdrawal near 3% to 4% is usually more comfortable than a high withdrawal rate.
Plan for inflation: Increasing withdrawals every year can protect lifestyle, but it also puts more pressure on the corpus.
Use conservative returns: SWP returns are market-linked, so test lower return scenarios before depending on the income.
Disclaimer: Estimate only. SWP returns are market-linked and not guaranteed. Final corpus, tax, exit load, fund performance, withdrawal rules, and sequence-of-return risk can materially change results. This calculator does not provide investment advice, fund recommendation, tax advice, or retirement guarantee. Please verify with a qualified financial adviser before making investment decisions.
SWP Calculator India FAQs
Is SWP income guaranteed?
No. SWP from mutual funds depends on market performance, taxation, and withdrawal rules.
What is a safe withdrawal rate?
Many planners start by testing 3% to 4% of corpus in the first year, then adjust for goals, tax, and risk.