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Systematic Withdrawal Plan (SWP) Calculator

Calculate regular monthly withdrawals from your mutual fund lumpsum investments and check remaining closing fund balances.

Last Updated: May 2026 | Fact-checked & Reviewed by EasyLedger Editorial Team

Withdrawal Details

₹10,000 ₹1 Crore
₹500 ₹5 Lakh
1% 30%
1 Year 30 Years
SWP Calculation Rule: The remaining balance earns compound interest monthly. If your monthly withdrawal exceeds the monthly growth rate, your closing fund balance will slowly reduce.

Payout Details

Final Balance ₹0
Total Investment
₹0
Total Withdrawal
₹0
Final Balance Value
₹0

What is a Systematic Withdrawal Plan (SWP)?

An SWP is a facility offered by mutual funds that allows you to withdraw a fixed amount of money at regular intervals (monthly, quarterly, or annually) from your existing lumpsum investments. It is commonly used by retirees to set up a regular monthly pension stream while letting the remaining corpus compound in the fund.

SWP vs SIP

While an SIP (Systematic Investment Plan) is used to accumulate wealth by making periodic deposits, an SWP is used to systematically withdraw wealth. Because withdrawals reduce the investment balance, the rate of annual growth must ideally match or exceed the withdrawal rate to prevent depleting the principal completely.