₹SWPtoolkit
📈 Free mutual fund calculators

SWP Calculator — see exactly how long your money lasts.

Use our free SWP calculator to estimate how long your investment corpus may last with regular monthly withdrawals. Explore SIP, lumpsum, step-up and goal-based mutual fund calculators designed for Indian investors.

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Choose the Right Mutual Fund Calculator

Pick a goal and jump straight to the right tool.

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Grow my savings

See what a monthly SIP can become.
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Draw a monthly income

Check how long a corpus will last.
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Plan my retirement

Build, then withdraw — in one view.
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Beat inflation

Keep your income’s real value steady.
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Free SIP, SWP and Mutual Fund Calculators

From your first SIP to your last withdrawal — each one with charts, a breakdown and a year-by-year table.

01

SWP Calculator

See how long a corpus lasts at a fixed monthly withdrawal.

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02

SIP Calculator

Estimate how much a fixed monthly investment can grow over time.

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03

SIP with SWP Calculator

Invest and withdraw at the same time, and see the corpus left.

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04

Goal SIP Calculator

Find the monthly SIP needed to hit a target amount.

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05

Lumpsum Calculator

See how a one-time investment compounds over the years.

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06

Lumpsum Plus SIP Calculator

Grow a one-time lumpsum and a monthly SIP together.

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07

Step-up SIP Calculator

Model a SIP that rises each year with your income.

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08

Step-up SWP Calculator

Model a withdrawal that rises yearly to beat inflation.

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09

SWP Calculator with Inflation

Index your withdrawal to inflation and see real value.

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How it works

How to Use Our Financial Calculators

1

Pick your calculator

Choose the tool that matches your goal — investing, withdrawing, or both.

2

Enter your numbers

Drag the sliders or type exact amounts, returns and time periods. Results update instantly.

3

Read the breakdown

See the chart, the invested-vs-returns split and a full year-by-year table. Share or print it.

What is an SWP calculator?

An SWP calculator is a free tool that shows how long a mutual fund corpus will last when you withdraw a fixed amount every month. It grows your balance at an expected return, subtracts each withdrawal, and tells you the exact year the money would run out — or how much is left at the end of your chosen horizon.

How to use the SWP calculator

Our SWP calculator takes four inputs: your total corpus, the monthly withdrawal you want, an expected annual return, and a time horizon. As you drag the sliders, it instantly updates a projection chart, a withdrawn-versus-balance breakdown, and a year-by-year table — so you can see in seconds whether your plan is sustainable, and adjust the withdrawal until it is.

How is an SWP calculated?

An SWP is a month-by-month tug of war. Each month your balance first earns a return, then your withdrawal is subtracted. If the return comfortably exceeds your withdrawal rate, the corpus can last for decades or even keep growing; withdraw too aggressively and it drains from both ends. The calculator runs this simulation for every month of your horizon, which is why it can pinpoint the exact month a corpus would be exhausted.

Why use SWPtoolkit?

Every calculator here is free, needs no signup, and runs entirely in your browser, so your numbers stay private. Beyond the SWP calculator you get eight more tools for the whole investing journey — the SIP calculator and goal SIP calculator for building wealth, the inflation-adjusted SWP for protecting your income, and the SIP with SWP calculator that plans both at once. Each one shows its working with charts and a full year-by-year table.

FAQ

SWP calculator questions, answered

What is an SWP calculator?
An SWP calculator shows how long a mutual fund corpus lasts when you withdraw a fixed amount every month. It grows the balance at your expected return, subtracts each withdrawal, and tells you the exact point the money would run out — or how much is left at the end.
How do I use the SWP calculator?
Enter your corpus, the monthly withdrawal you want, an expected annual return and a time horizon. The SWP calculator instantly shows how long the money lasts, a projection chart and a year-by-year balance. Adjust any input and the result updates in real time.
Is the SWP calculator free to use?
Yes. Every calculator on SWPtoolkit is completely free, with no login or signup. The tools run entirely in your browser, so the figures you enter never leave your device.
What is a safe monthly withdrawal in an SWP?
A common rule of thumb is to keep your annual withdrawals below your expected return so the corpus is not eroded. For example, withdrawing about 6–7% a year from a portfolio returning 10% can last for decades. The SWP calculator lets you test any figure instantly.
What is the difference between a SIP and an SWP?
A SIP adds a fixed amount to a fund every month to build a corpus, while an SWP withdraws a fixed amount every month as income. A SIP suits your earning years; an SWP suits your spending years. Our SIP with SWP calculator links both together.
Are the results guaranteed?
No. The calculators assume a steady annual return that you choose, but real mutual fund returns fluctuate and can be negative in some years. Treat every result as a planning estimate, not a promise, and consult a SEBI-registered adviser before investing.

Ready to plan your money?

Start with the calculator that fits your goal — it takes less than a minute.

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