Looking to generate regular income from your mutual fund investments? A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount at regular intervals while your remaining investment continues to grow. Our SWP Calculator helps you estimate how long your funds will last or how much you can withdraw, based on your investment amount, frequency, and expected returns. It’s a smart way to plan steady cash flow—especially post-retirement or during financial transitions.
The SWP Calculator helps you plan regular monthly withdrawals from your mutual fund investments while showing the remaining value of your investment over time. It’s an effective tool for estimating how long your money will last and what kind of steady income you can expect—making it especially useful for retirement planning. With an SWP, you can create a predictable cash flow without redeeming your entire investment at once.
The Systematic Withdrawal Plan (SWP) Calculator helps estimate regular cash flows from your mutual fund investment. It uses the formula:
A = PMT × [(1 + r/n)^(nt) – 1] / (r/n)
Where,
Let us understand the working of SWP calculator with an example. Consider the following scenario:
Each month, the interest is calculated on the remaining balance, and the withdrawal is deducted.
Opening Balance: ₹1,20,000
Interest (7% annually / 12 months): ₹700 (approx)
Total before withdrawal: ₹1,20,700
Withdrawal: ₹10,000
Closing Balance: ₹1,10,700
Opening Balance: ₹1,10,700
Interest: ₹645.75 (approx)
Total before withdrawal: ₹1,11,345.75
Withdrawal: ₹10,000
Closing Balance: ₹1,01,345.75
…and so on, until the end of 12 months.
By the end of the tenure, the SWP Calculator provides a clear summary of your investment performance. It displays the total amount withdrawn over the selected period, the remaining corpus (if any) left in the mutual fund, and the total interest earned during the withdrawal phase. This helps investors assess how effectively their investment has supported regular cash flows while continuing to grow.
1 | 120000 | 10000 | 641.6666667 | 110641.6667 |
2 | 110641.6667 | 10000 | 587.0763889 | 101228.7431 |
3 | 101228.7431 | 10000 | 532.1676678 | 91760.91072 |
4 | 91760.91072 | 10000 | 476.9386459 | 82237.84937 |
5 | 82237.84937 | 10000 | 421.3874547 | 72659.23682 |
6 | 72659.23682 | 10000 | 365.5122148 | 63024.74904 |
7 | 63024.74904 | 10000 | 309.3110361 | 53334.06007 |
8 | 53334.06007 | 10000 | 252.7820171 | 43586.84209 |
9 | 43586.84209 | 10000 | 195.9232455 | 33782.76534 |
10 | 33782.76534 | 10000 | 138.7327978 | 23921.49814 |
11 | 23921.49814 | 10000 | 81.20873912 | 14002.70687 |
12 | 14002.70687 | 10000 | 23.34912343 | 4026.055998 |
You have a future value of Rs 4,026 as shown in the table.
The ClearTax SWP Calculator helps you to calculate the SWP mutual fund investment over a tenure:
Below mentioned are the benefits of using the Cleartax SWP calculator:
The Cleartax SWP Calculator is a simple yet powerful tool to plan regular income from your mutual fund investments. It helps you estimate monthly withdrawals, track your remaining corpus, and understand interest earnings—making it an ideal solution for retirement planning or creating steady cash flows.