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Calculate regular monthly cash payouts and remaining balance from mutual fund investments.
After withdrawing ₹₹35,000/mo for 10 years
Calculations follow official federal and central bank guidelines (IRS, RBI), statutory tax provisions, and standardized actuarial compounding.
Why our math is exact vs other portals →Detailed year-wise principal vs interest timeline
| Period | Invested Amount | Gains / Interest | Total Portfolio Value |
|---|---|---|---|
| Year 1 | $420,000 | $451,269 | $5,031,269 |
| Year 2 | $420,000 | $454,202 | $5,065,471 |
| Year 3 | $420,000 | $457,411 | $5,102,882 |
| Year 4 | $420,000 | $460,920 | $5,143,802 |
| Year 5 | $420,000 | $464,759 | $5,188,560 |
The SWP Calculator (Systematic Withdrawal Plan) is built to eliminate financial ambiguity by applying exact Indian financial mathematics rather than generic, oversimplified online estimates.
Whether evaluating interest liability on bank credit, calculating compounding acceleration on systematic investments, or forecasting net post-tax maturity values, accurate forecasting ensures you never misjudge your cash flow or long-term corpus.
Remaining corpus earns monthly returns while you withdraw fixed monthly income.
End-of-period Annuity Ordinary math (omits interest on month 1 deposit)
True Annuity Due compounding [M = P × ((1+i)^n - 1)/i × (1+i)] reflecting real mutual fund SIP beginning-of-month debits.
In India, retail lending follows RBI guidelines on reducing balance compounding and External Benchmark Linked Lending Rates (EBLR/RLLR). Fixed deposits follow RBI quarterly compounding mandates, while mutual fund equity investments adhere to SEBI NAV timing and post-Budget 2024 capital gains tax provisions (12.5% LTCG over ₹1.25L).
₹50 Lakh corpus with ₹35,000/mo withdrawal for 10 years at 9% return.
Total withdrawn across 10 years = ₹42 Lakhs, while the remaining corpus still retains ₹52.48 Lakhs!
How systematic monthly mutual fund investments compound into multi-crore wealth across key milestones.
| Monthly SIP | 5 Years | 10 Years | 15 Years | 20 Years (Crore Goal) |
|---|---|---|---|---|
| ₹5,000/mo | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000/mo | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
| ₹25,000/mo | ₹20,62,159 | ₹58,08,477 | ₹1,26,14,400 | ₹2,49,78,698 |
| ₹50,000/mo | ₹41,24,318 | ₹1,16,16,954 | ₹2,52,28,800 | ₹4,99,57,396 |
Yes, SWP is significantly more tax-efficient than FD interest because only the capital gain portion of each withdrawal is taxed, not the entire amount.
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