SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund at regular intervals while the remaining corpus continues to earn returns.

Are the SWP results guaranteed?

No. SWP results are illustrative and depend on market performance, fund returns, and tax implications. The tool helps you plan systematically, but actual results will vary.

SWP Calculator — Fundulator | Smart Withdrawal Planner

Q: How does this calculator compute balance?

The calculator simulates monthly, quarterly, or yearly withdrawals while the remaining investment grows at your chosen return rate, deducting each withdrawal and showing how long the corpus lasts.

Q: What is a Step-up SWP?

A Step-up SWP automatically increases your withdrawal amount annually by a fixed percentage to help offset inflation and maintain your lifestyle.

Q: Can I add large one-time withdrawals?

Yes. You can add one-time withdrawals in specific years to simulate major expenses such as education, travel, or property purchase.

Q: What does the sustainability gauge mean?

The sustainability gauge visually shows how long your corpus will last. If it reaches 100%, your funds last through the chosen duration; lower values indicate depletion before the end of the period.

Initial Investment (₹)

Withdrawal Amount (₹)

Withdrawal Frequency

Duration (Years)

Expected Return Rate (%)

Enable Step-up Withdrawal?

Add One-time Withdrawals?

Interest Earned ₹0

Total Withdrawn
₹0

Final Balance
₹0

💹 Plan Sustainability

Corpus duration will be displayed here

💡 Key Features

Plan your withdrawals smartly and make your corpus last longer with insights tailored for post-retirement planning.

📈

Growth-Based Simulation

Calculates year-wise corpus balance, interest earned, and total withdrawals based on your expected return rate.

⚙️

Flexible Step-up Feature

Automatically increase your withdrawal amount annually to maintain lifestyle and offset inflation.

💰

Custom One-time Withdrawals

Add large one-time expenses such as travel, home renovation, or medical costs and instantly see the impact.

💹

Sustainability Indicator

A smart gauge shows how long your corpus can sustain your withdrawals before depletion.

💡

Smart Withdrawal Tips

For long-term stability, keep annual withdrawals below 6–8% of corpus. Rebalance periodically to protect against market volatility.

❓ Frequently Asked Questions (FAQ)

💡 What is an SWP?

SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund periodically, while the remaining corpus continues to earn returns.

📈 How does this calculator compute balance?

Each cycle, your corpus grows by the expected return rate, and withdrawals (plus any one-time events) are deducted. This process continues until the duration ends or funds run out.

📅 What is a Step-up SWP?

A Step-up SWP increases your withdrawal amount annually by a fixed percentage to help offset inflation and maintain your lifestyle needs.

💰 Can I add large one-time withdrawals?

Yes. You can add one-time withdrawals for specific years to simulate expenses like travel, education, or property purchase.

🎯 What does the sustainability gauge mean?

The gauge visually indicates how long your corpus sustains your withdrawals. If it reaches 100%, your corpus lasts the full period; if lower, it depletes sooner.

⚠️ Are these results guaranteed?

No. SWP projections depend on market returns, fund performance, and tax implications. These are only estimates to help with planning.

Fundulato₹

SWP Calculator