SWP Calculator

An SWP lets you withdraw a fixed amount from a mutual fund investment at regular intervals (typically monthly), while the remaining corpus stays invested and continues to earn returns — commonly used to generate regular income from a lump sum, such as in retirement.

Given your starting corpus, monthly withdrawal amount, and expected annual return, it estimates how many years and months the corpus will last before it's fully depleted.

The corpus depletes faster — if you withdraw more per month than the corpus earns, the balance shrinks continuously until it reaches zero, even accounting for growth on the remaining balance.

In cash-flow terms, yes — a SIP builds a corpus through regular contributions, while an SWP draws down an existing corpus through regular withdrawals.

They're projections based on a constant assumed rate of return. Actual market returns fluctuate, so the real duration a corpus lasts will differ from this estimate.