Mutual Fund SWP Calculator (Systematic Withdrawal Plan)
Input Details
₹
₹ 1L
₹ 25L
₹ 50L
₹ 1 Cr
₹ 10 Cr
₹
₹ 1,000
₹ 50,000
₹ 1,00,000
₹ 1,75,000
₹ 10,00,000
%
4%
8% (Conservative)
10% (Hybrid)
12% (Equity)
15%
20%
1 Yr
5 Yrs
10 Yrs
15 Yrs
20 Yrs
25 Yrs
30 Yrs
35 Yrs
Increase monthly payout annually to keep pace with rising cost of living
%
Golden Rule of SWP: If your annual withdrawal rate (e.g. 6%–8%) remains lower than your expected portfolio return (e.g. 10%), your invested capital can generate lifelong monthly cash flow while continuing to grow!
Total Capital Withdrawn
₹ 63,00,000
in 15 years
Final Balance
₹ 62.4 L
Initial Investment
₹ 50,00,000
Total Withdrawn Amount
₹ 63,00,000
(₹13L more than invested)
Final Portfolio Balance
₹ 62,43,184
Capital Fully Preserved
Total Compounding Gains Earned:
₹ 75,43,184
Total Economic Benefit (Withdrawn + Final Balance):
₹ 1,25,43,184
Corpus Health Status:
Growth & Full Preservation
Annual SWP Cash Flow & Capital Trajectory
Yearly withdrawals, compounding investment returns, and remaining portfolio balance
Withdrawn (SWP)
Returns Earned
Remaining Balance
SWP Cash Flow Statement
Click on any year to expand or collapse monthly withdrawals, returns, and balance.
| Year / Month | Opening Balance | Withdrawn (SWP) | Returns Earned | Year-End Balance | Cumulative Withdrawn |
|---|
Key Assumptions
- Remaining investment balance continues to earn market returns and compounds monthly.
- When monthly withdrawal exceeds monthly portfolio returns, capital erosion begins.
- During steep market drawdowns, trimming the monthly withdrawal rate helps safeguard capital sustainability.