This calculator's full version — with charts and a detailed year-by-year breakdown — is available in the Power Calculators / Financial Calculator Android app. The website version of this one is coming soon.
Browse other calculatorsA systematic withdrawal plan (SWP) lets you take a fixed amount from your mutual fund investment every month while the rest stays invested. It is a popular way to create a regular income from a lump sum, for example in retirement.
This calculator tracks your balance month by month, with an optional yearly increase in the withdrawal. It is available in the Financial Calculator app.
| Lump sum invested | ₹5,000,000 |
| Monthly withdrawal | ₹30,000 |
| Expected return | 8% a year |
| Period | 10 years |
| Balance at the end | ₹5,609,820.12 |
| Total withdrawn | ₹3,600,000.00 |
| Total returns | ₹4,209,820.12 |
After ten years of withdrawals of ₹30,000, a substantial balance is still invested.
A withdrawal close to the expected return protects your capital. Withdrawing much more than the return steadily uses up the principal.
Each withdrawal is treated as a redemption, so it may trigger capital gains tax on the gain portion.
SWP gives you control over the amount and timing, while dividends are irregular and not guaranteed.