SWP Calculator

Currency

Initial corpus

₹

Monthly withdrawal

₹

Expected return rate (p.a)

Time period

Total withdrawals ₹0

Returns earned ₹0

Final value ₹0

Total withdrawals

Returns earned

Tools

Growth schedule

Invested Returns Corpus

Period	Mix	Invested	Returns	Corpus

How to use SWP Calculator

On Verdant SIP (sip-calculator.net), this SWP calculator is framed for investors balancing SIP wealth creation with home-buying goals. Systematic Investment Plans for major life goals like a home down payment. Use for long-term mutual fund SIP planning in INR.

How SWP withdrawals work

A Systematic Withdrawal Plan (SWP) lets you redeem a fixed amount regularly from a mutual fund corpus while the remainder stays invested.

The calculator estimates remaining corpus after each withdrawal by applying expected returns on the balance and subtracting the withdrawal amount.

Worked example

With a ₹50,00,000 corpus, 8% assumed annual return, and ₹30,000 monthly withdrawal, sustainability depends on tenure and market path—higher withdrawals deplete corpus faster.

Adjust corpus, return, and withdrawal above to see how long the money may last under your assumptions.

SWP planning tips

Many planners start around a 4–6% annual withdrawal rate for longer sustainability, then refine for tax and market risk.

SWP amounts and schedules are usually flexible; confirm fund-house rules, exit loads, and tax treatment before relying on withdrawals for expenses.

Figures on Verdant SIP are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.

Commonly Asked Questions

SWP (Systematic Withdrawal Plan) allows you to generate regular income from your investment corpus while planning for home loan payments. You can withdraw a fixed amount monthly to supplement your income for EMI payments or other expenses, while the remaining corpus continues to grow.

The ideal withdrawal amount depends on your corpus size, expected returns, and your home loan EMI requirements. Generally, withdrawing 4-6% of your corpus annually is sustainable. Use our calculator to determine a withdrawal amount that helps with your home loan while maintaining corpus growth.