SIP Calculator
See how a fixed monthly SIP could grow over time, and how much of the final amount comes from returns.
SWP Calculator
See how long your investment could last if you withdraw a fixed amount every month through an SWP.
Your details
₹50,00,000 = 50 lakhAllowed range: ₹1,00,000 to ₹50,00,00,000
₹30,000 = 30 thousandAllowed range: ₹500 to ₹50,00,000
Allowed range: 1 to 20%
Allowed range: 1 to 40 yrs
Results
Balance left after 20 years
₹68,45,597
Your money may last the whole period at this return.
- Total investment
- ₹50,00,000
- Total withdrawn
- ₹72,00,000
Balance left each year
Years along the bottom. Hover or tap a bar to see that year’s numbers.
Year-by-year table
| Year | Withdrawn so far | Balance left |
|---|---|---|
| 1 | ₹3,60,000 | ₹50,39,010 |
| 2 | ₹7,20,000 | ₹50,81,257 |
| 3 | ₹10,80,000 | ₹51,27,011 |
| 4 | ₹14,40,000 | ₹51,76,563 |
| 5 | ₹18,00,000 | ₹52,30,227 |
| 6 | ₹21,60,000 | ₹52,88,346 |
| 7 | ₹25,20,000 | ₹53,51,288 |
| 8 | ₹28,80,000 | ₹54,19,455 |
| 9 | ₹32,40,000 | ₹54,93,279 |
| 10 | ₹36,00,000 | ₹55,73,231 |
| 11 | ₹39,60,000 | ₹56,59,819 |
| 12 | ₹43,20,000 | ₹57,53,593 |
| 13 | ₹46,80,000 | ₹58,55,151 |
| 14 | ₹50,40,000 | ₹59,65,137 |
| 15 | ₹54,00,000 | ₹60,84,253 |
| 16 | ₹57,60,000 | ₹62,13,255 |
| 17 | ₹61,20,000 | ₹63,52,965 |
| 18 | ₹64,80,000 | ₹65,04,270 |
| 19 | ₹68,40,000 | ₹66,68,133 |
| 20 | ₹72,00,000 | ₹68,45,597 |
For illustration only. Assumes a constant rate of return, which real investments don’t deliver. Mutual fund returns are not guaranteed, and tax, fees and exit loads are not included. This is not investment advice.
Want a plan based on these numbers?
We can help you pick suitable schemes and set it up. See Retirement Planning.
How this calculator works
- 1
Enter the amount invested, the monthly amount you want to withdraw, the expected yearly return, and for how many years.
- 2
Each withdrawal is taken at the start of the month. The rest keeps earning the monthly rate.
- 3
If the money runs out before the period ends, the calculator tells you when.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan (SWP) redeems a fixed amount from your mutual fund investment at regular intervals, often monthly. It's commonly used for a regular income after retirement.
Is tax deducted on SWP withdrawals?
Each withdrawal is a redemption of units and may be taxed as capital gains. This calculator doesn't include tax. Please check the current rules or ask a tax adviser.
Are these results guaranteed?
No. The calculator assumes the same return every year, which never happens in real markets. Mutual fund returns go up and down and are not guaranteed. Use the result as a rough guide, not a promise.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
More calculators
Lumpsum Calculator
Estimate what a one-time investment could grow to over a number of years at an expected rate of return.
Step-up SIP Calculator
See the effect of raising your SIP by a fixed percentage every year, for example as your income grows.
Ready to plan your investments?
Talk to the RWAKKA team. Your first consultation is free and comes with no obligation.