Withdraw steadily, see what's left

What is an SWP?

A systematic withdrawal plan is the mirror image of a SIP: you park a lump sum, then redeem a set amount on a schedule—often monthly—while whatever stays invested continues to earn returns. In practice it is used to turn a pool of units into predictable cash flow, subject to NAV movement and fund rules. The calculator here uses a simplified month-by-month model so you can stress-test “what if I withdraw X at Y% assumed growth?” without pretending to know future NAVs.

Who tends to use it?

• •Retirement cash flow: mapping how long a corpus might last if you lift a fixed sum each month, before taxes and charges.
• •Goal-based drawdowns: funding a large recurring expense for a few years while keeping the rest invested.
• •Sanity checks: comparing a lower withdrawal versus a higher one when markets are volatile—purely as a planning exercise.

How this calculator works

Each month we first apply your withdrawal (capped at whatever balance remains), then grow the leftover balance using your stated annual return split evenly across twelve months. Real funds charge STT, capital gains rules differ by holding period, and actual SWP instructions follow the AMC’s process—this page is a teaching aid, not a substitute for statements from your registrar or adviser.

Reading the chart

The area chart stacks two stories: cumulative withdrawals climb as you take money out, while the corpus line shows what would theoretically remain under your assumed return. When the two cross in your head—or when the corpus hits zero in the table of inputs—you know the plan is unsustainable at that withdrawal level without fresh contributions or a lower payout.