# SWP Calculator

Enter the amount invested, how much you withdraw each month, the expected return and the period to see how much is left at the end.

Live calculator: https://calc.softool.in/swp-calculator

## Worked example

With ₹20 lakh invested at an assumed 8% a year and ₹15,000 withdrawn every month, you take out ₹18,00,000 over 10 years and still have about ₹16,95,090 left.

## Quick answers

- **If I withdraw ₹10,000 a month from ₹20 lakh, how much is left after 5 years?** At an assumed 8% a year, withdrawing ₹10,000 a month from ₹20 lakh leaves about ₹22,44,923 after 5 years.
- **If I withdraw ₹15,000 a month from ₹20 lakh, how much is left after 5 years?** At an assumed 8% a year, withdrawing ₹15,000 a month from ₹20 lakh leaves about ₹18,77,539 after 5 years.
- **If I withdraw ₹20,000 a month from ₹20 lakh, how much is left after 5 years?** At an assumed 8% a year, withdrawing ₹20,000 a month from ₹20 lakh leaves about ₹15,10,154 after 5 years.
- **If I withdraw ₹25,000 a month from ₹20 lakh, how much is left after 5 years?** At an assumed 8% a year, withdrawing ₹25,000 a month from ₹20 lakh leaves about ₹11,42,770 after 5 years.

## SWP table: balance left from ₹20 lakh at 8% a year

What remains of ₹20 lakh after monthly withdrawals. ₹0 means the money ran out before then. The 8% return is an assumption.

| Withdrawal per month | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹10,000 | ₹22,44,923 | ₹26,09,820 | ₹31,53,461 | ₹39,63,401 |
| ₹15,000 | ₹18,77,539 | ₹16,95,090 | ₹14,23,270 | ₹10,18,299 |
| ₹20,000 | ₹15,10,154 | ₹7,80,360 | ₹0 | ₹0 |
| ₹25,000 | ₹11,42,770 | ₹0 | ₹0 | ₹0 |

## How it is calculated

`Each month: balance = balance × (1 + monthly return) − withdrawal`

Every month the balance first earns the monthly return (yearly return ÷ 12), then the withdrawal is taken out. If the return is higher than what you withdraw, the money can last indefinitely; if not, the balance falls and eventually runs out.

When the balance cannot cover a full withdrawal, the calculator pays out what is left and stops. The return is an assumption: market-linked funds can fall, and a fall early in the plan shortens how long the money lasts.

## Good to know

- Keep withdrawals below what the investment earns if you want the money to last.
- Allow for inflation: the same withdrawal buys less every year.
- A market fall early in the plan does the most damage, so keep a cash buffer for those years.

## Common questions

### What is an SWP?

A Systematic Withdrawal Plan lets you take a fixed amount out of a mutual fund investment at regular intervals, usually every month, while the rest stays invested.

### How much can I withdraw without running out?

As a rough guide, if your yearly withdrawals are below the yearly return your investment earns, the balance holds or grows. Try lowering the withdrawal here until the balance left stays close to what you invested.

### Is SWP income taxed?

Each withdrawal is a sale of fund units, so capital gains tax can apply to the gain portion. The rules depend on the type of fund and how long you held it.

### How is an SWP different from a dividend option?

With an SWP you choose the amount and the date. Dividends are decided by the fund and are not guaranteed.

### Can I change or stop an SWP?

Yes. You can change the amount, pause or stop an SWP at any time by instructing the fund house.

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Source: https://calc.softool.in/swp-calculator
Last reviewed: October 2026. Results are estimates, not financial advice.