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Systematic Withdrawal Plan Calculator
A Systematic Withdrawal Plan (SWP) Calculator is a financial tool that helps to calculate the matured amount as per your monthly withdrawals. With a SWP calculator, you can also calculate the interest received from your investments. Learn more about SWP Calculator in this article.
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Systematic Withdrawal Plan (SWP)
- Systematic Withdrawal Plan Calculator
SWP Calculator
Total Investment
₹
Withdrawal per month
₹
Expected annual returns(p.a.)
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Time period
Years
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Your total Investment
₹5,00,000
Total amount withdrawn
₹6,00,000
Final value
5,218
View plans
What is a SWP Calculator?
An SWP calculator is an online tool that tells you how much money you can withdraw regularly from your mutual fund corpus.
- Unlike SIP, where you put money in every month, SWP is about taking money out.
- It helps you see how long your corpus will last, how much return you might earn, and what your total withdrawals will be.
Importance of SWP Calculator:
- If you are retired or want a regular income, it helps you figure out a safe withdrawal amount.
- The calculator gives you a clear idea about your financial planning without guessing.
What Inputs Do You Need in an SWP Calculator?
Most SWP calculators ask for a few simple details:
| Input | What it means |
| Lump-sum investment | The total amount you have invested in mutual funds |
| Expected return | Annual return you expect from your fund |
| Withdrawal amount | How much you want to take out every month or quarter |
| Withdrawal period | How long you want to keep taking money out |
Once you enter these, the calculator will instantly show:
- Total invested vs total withdrawn
- Estimated returns earned
- Remaining balance at the end
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| Equity Pension SBI Life | 12.27% | 12.03% |
12.47%
View Plan
|
|
| Opportunities Fund HDFC Life | 14.6% | 14.6% |
14.2%
View Plan
|
|
| High Growth Fund Axis Max Life | 21.26% | 21.78% |
18.79%
View Plan
|
|
| Opportunities Fund ICICI Prudential Life | 13.3% | 12.8% |
12.6%
View Plan
|
|
| Multi Cap Fund Tata AIA Life | 21% | 21.17% |
22%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Life | 15.54% | 13.83% |
14.27%
View Plan
|
|
| Multiplier Birla Sun Life | 18.36% | 15.9% |
15.87%
View Plan
|
|
| Virtue II PNB MetLife | 14.6% | 16.3% |
14.98%
View Plan
|
|
| Equity II Fund Canara HSBC Life | 10.95% | 9.9% |
10.5%
View Plan
|
|
| Blue-Chip Equity Fund Star Union Dai-ichi Life | 9.66% | 9.65% |
10.32%
View Plan
|
|
Fund rating powered by
Last updated: Mar 2026
Compare more funds
| Fund Name | AUM | Return 3 Years | Return 5 Years | Return 10 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|---|
| Motilal Oswal BSE Enhanced Value Index Fund Regular-Growth | ₹1,570.41 Crs | 32.84% | N/A | N/A | ₹500 | 32.79% |
| Bandhan Small Cap Fund Regular-Growth | ₹20,129.67 Crs | 31.11% | 23.74% | N/A | ₹1,000 | 28.69% |
| Motilal Oswal Midcap Fund Regular-Growth | ₹31,046.66 Crs | 22.67% | 24.17% | 16.62% | ₹500 | 20.11% |
| ICICI Prudential Infrastructure Fund-Growth | ₹7,553.54 Crs | 25.41% | 27.9% | 18.41% | ₹5,000 | 15.68% |
| Canara Robeco Large Cap Fund Regular-Growth | ₹15,235.02 Crs | 14.29% | 12.22% | 13.78% | ₹100 | 12.26% |
| Mirae Asset Large Cap Fund Direct-Growth | ₹35,342.63 Crs | 13.7% | 12.62% | 14.29% | ₹5,000 | 15.34% |
| Kotak Midcap Fund Regular-Growth | ₹55,675.98 Crs | 22.58% | 19.67% | 18.04% | ₹100 | 14.82% |
| SBI Small Cap Fund-Growth | ₹32,285.56 Crs | 14.67% | 16.08% | 17.77% | ₹5,000 | 18.52% |
| SBI Gold ETF | ₹23,579.47 Crs | 34.27% | 24.81% | 16.53% | ₹5,000 | 13.61% |
Updated as of Mar 2026
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SWP Formula for Calculating the Withdrawal Amount
The SWP calculator will provide you with the following values:
- Total Investment Amount
- Total Withdrawal Amount
- Final Value in the Fund
How Does the SWP Calculator Work?
The SWP calculator uses simple math, even if it looks a bit complex:
- It starts with your investment balance.
- Each month or quarter, your money earns returns.
- Then you can withdraw the amount regularly.
- This repeats until the end of your plan.
Basically, it does all the monthly math for you, which is why it saves a lot of time.
Illustration of Systematic Withdrawal Plan Formula Calculation
Suppose you invest ₹10 lakhs in a lump sum for a 5-year tenure in a chosen best SIP plan. At an expected average rate of return of 12% per year, if you decide to withdraw annually ₹1.2 lakh through SWP to cover the education expenses of your children, the SWP calculation will be as follows:
| Year | Opening Balance (₹) | Return @12% (₹) | Value After Return (₹) | Withdrawal (₹) | Closing Balance (₹) |
| 1 | 10,00,000 | 1,20,000 | 11,20,000 | 1,20,000 | 10,00,000 |
| 2 | 10,00,000 | 1,20,000 | 11,20,000 | 1,20,000 | 10,00,000 |
| 3 | 10,00,000 | 1,20,000 | 11,20,000 | 1,20,000 | 10,00,000 |
| 4 | 10,00,000 | 1,20,000 | 11,20,000 | 1,20,000 | 10,00,000 |
| 5 | 10,00,000 | 1,20,000 | 11,20,000 | 1,20,000 | 10,00,000 |
Summary of SWP Calculation:
| Particulars | Amount |
| Total invested | ₹10,00,000 |
| Total withdrawal (₹1,20,000 × 5 years) | ₹6,00,000 |
| Total returns earned | ₹6,00,000 |
| Final corpus after 5 years | ₹10,00,000 |
- Your investments are earning enough returns to fund your withdrawals.
- Even after withdrawing ₹1.20 lakh every year, your original corpus remains intact.
- This is a classic example of a sustainable SWP, where you are not just withdrawing money, but your investment is still working in the background.
- The best SWP plans are often used in retirement planning.
How to Use a SWP Calculator?
You can follow these three simple steps to make better use of the SWP calculator-
- Step 1: Go to the Policybazaar SWP calculator, which is available on this page.
- Step 2: Enter the essential information, which includes your invested amount (weekly, monthly, annually, or lump sum), the withdrawal amount you wish to receive on a regular basis, the estimated rate of return, and the investment tenure.
- Step 3: Once all of the information is entered, the calculator will automatically provide the necessary results--the total amount invested, the total amount withdrawn over the investment term, and the final value of your investment at the conclusion of the tenure.
What are the Benefits of the SWP Calculator?
The use of an SWP calculator offers you these key advantages, making it an excellent investment strategy:
- Saves Time: The SWP calculator gives instant results, so you do not need to calculate withdrawals manually every month or year.
- Reduces Calculation Errors: Manual calculations can be confusing and may lead to mistakes, while the calculator provides accurate results based on the details you enter.
- Helps in Better Financial Planning: It shows how long your investment can last and how much you can withdraw safely without exhausting your corpus too early.
- Allows Scenario Testing: You can change the withdrawal amount, tenure, or expected returns to see how different situations affect your investment.
- Consider Inflation Impact: Many SWP calculators factor in inflation, helping you understand the real purchasing power of your money over time.
- Supports Goal-Based Withdrawals: Whether you need regular income for retirement or long-term financial needs, the calculator helps align withdrawals with your financial goals.
Summary
Just like the SIP Calculator lets you know how much corpus you will be able to accumulate at the end, the SWP calculator will tell you how long your money will survive, how much income you may safely take, and what is left in the corpus. You can use it to strategise your retirement, weekly costs, long-term objectives, or select the right investment plan.
FAQs
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Can I start an SWP immediately after investing?
In most cases, yes. You can start an SWP shortly after making a lump-sum investment, depending on the fund house's rules. Still, many investors prefer to wait for some time so the investment gets a chance to grow before withdrawals begin. -
Who should use an SWP calculator?
Anyone looking for regular income from their mutual fund corpus, especially retirees, senior citizens, or long-term investors, can benefit from using an SWP calculator. -
Can I change the SWP amount later?
Yes. Most mutual fund houses allow you to increase, reduce, pause, or stop your SWP at any time based on your needs.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved
insurance
plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.