SWP Calculator
See how long your investment lasts when you withdraw a fixed amount each month and the rest keeps earning returns.
How an SWP works
An SWP is the opposite of a SIP. You start with a lump sum invested and withdraw a fixed amount each month. The money left behind keeps earning returns. If you withdraw less than it earns, the balance keeps growing. If you withdraw more, it shrinks over time.
Use an SWP to plan retirement income—it tells you how long your nest egg lasts. If you need to build that corpus first, check our SIP calculator.
Common questions
Will my money run out?
It depends on how much you withdraw versus how much your money earns. Withdraw less than it earns and it can last forever. Withdraw more and the balance shrinks each year until it's gone.
Is the return guaranteed?
No. The return is an estimate. Real markets go up and down, so a bad start can drain your money faster than expected. Keep your withdrawal amount conservative.
How is an SWP taxed?
Each withdrawal from a mutual fund counts as a sale, so any gains are taxed as capital gains. This calculator shows amounts before tax is taken out.
Add SWP Calculator to your website
Embed this free SWP Calculator on your site or blog. Just copy the code below, paste it into your page, and your visitors can use the calculator without leaving your site.
The widget is responsive and works on WordPress, Squarespace, Wix, Webflow, and any HTML page. You can adjust the width and height in the code above.