How the SWP estimate works
The projection compounds the balance every month using the expected annual return divided by 12. With the default end-of-period setting, growth is added first and the scheduled withdrawal is then deducted.
SWP Calculator
Estimate how a lump-sum mutual-fund corpus may change when you withdraw a regular amount. Built for Indian investors with INR formatting and a clear month-by-month projection.
Withdrawal schedule
Monthly compounding with withdrawals modeled at the end of each period.
| Period | Opening balance | Estimated growth | Withdrawal | Closing balance |
|---|
Plan a systematic withdrawal from your mutual-fund corpus
An SWP can turn a lump-sum investment into a regular cash flow while the remaining corpus stays invested. This calculator helps you explore different withdrawal amounts, return assumptions, and time periods before you make a plan.
Read the final value carefully
The final value is the estimated balance left after withdrawals and modeled growth. Actual mutual-fund returns can move up or down, so the result is a planning illustration rather than a guaranteed outcome.
Use INR, lakh, and crore-friendly figures
Amounts are shown with Indian digit grouping, including values such as ₹1,50,000 and compact lakh or crore labels in charts. Try a few withdrawal levels to see how long the corpus may last.
Watch for corpus depletion
If the requested withdrawals become larger than the modeled balance, the schedule shows the estimated depletion month or year. Later withdrawals are shown as zero instead of hiding the shortfall.