SWP Calculator

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Find out how you can optimize the accumulated mutual fund corpus and make systematic monthly withdrawals at the same time using the Systematic Withdrawal Plan Calculator.

₹5,000₹50,00,000
1 Years30 Years
2%13%
₹5,000₹5,00,000
1%15%
2%13%
  • Corpus at start of SWP
    ₹0
  • Total Withdrawal Amount
    ₹0

Number of Years of Withdrawal0
Remaining Amount₹0

Disclaimer: The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed decision and is not an investment process in itself. Mutual Fund does not provide guaranteed returns. Investors are advised to seek professional advice from financial, tax and legal advisor before investing.

Make small investment for bigger returns

Invest small amount periodically in scheme of your choice

Top Performing Funds to Start your SIP

DirectRegular
Fund NameAUM(Cr)Min Investment
This Fund / BenchmarkSIExpand
Worth of Investment
(₹ 10,000)SIP
Expand
Expense Ratio

Axis Nifty500 Low Volatility 50 Index Fund

Index
29.13₹ 100
N/A%/N/A%
N/A15.55

Axis Nifty Energy Index Fund

Index
89.24₹ 100
N/A%/N/A%
10,000.001.79

Axis Multicap Fund

Equity
11,972.26₹ 100
16.00%/11.76%
8,75,979.000.93

Axis Nifty50 Equal Weight Index Fund

Index
86.55₹ 100
N/A%/N/A%
28,500.591.25

Axis Nifty Capital Markets Index Fund

Index
124.06₹ 100
N/A%/N/A%
47,383.860.78

Axis NIFTY 100 Index Fund

Index
1,989.03₹ 100
11.48%/11.78%
11,72,814.630.26

Axis Small Cap Fund

Equity
30,677.53₹ 100
22.39%/18.36%
63,68,040.500.70

Axis Value Fund

Equity
1,836.08₹ 100
15.71%/9.09%
9,13,862.310.88

AXIS SILVER FUND OF FUND

FOF - Domestic
1,253.05₹ 100
38.97%/40.45%
11,32,639.630.14

Axis Nifty 500 Index Fund

Index
313.59₹ 100
-1.33%/-1.07%
2,64,849.690.17

Axis Nifty500 Low Volatility 50 Index Fund Index

N/A
Newly Launched

Invest Now>

Axis Nifty Energy Index Fund Index

N/A
Newly Launched

Invest Now>

Axis Multicap Fund Equity

16.00%
Popular Choice

Invest Now>

Axis Nifty50 Equal Weight Index Fund Index

N/A
Newly Launched

Invest Now>

Axis Nifty Capital Markets Index Fund Index

N/A
Newly Launched

Invest Now>

Axis NIFTY 100 Index Fund Index

11.48%

Invest Now>

Axis Small Cap Fund Equity

22.39%

Invest Now>

AUM as on 30-09-2026 | Expense Ratio as on 26-10-2026

Disclaimer: Returns are calculated on standard investment of Rs 10,000. Click on Scheme Name to know more about Scheme Details.
Past performance may or may not be sustained in future. Please consult your financial advisor before investing. Different plans have different expense structure.

Click here to see Returns in SEBI Format

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) is a facility offered by mutual funds that allows investors to withdraw a fixed amount from their investment at regular intervals. These withdrawals can be monthly, quarterly, half-yearly, or yearly, depending on the investor's needs. Unlike redeeming the entire investment at once, an SWP enables you to receive a steady cash flow while the remaining corpus continues to stay invested in the market. This feature makes a systematic withdrawal plan popular among retirees, individuals seeking regular income, and investors looking to manage their financial goals without disturbing their entire investment portfolio.


Uses of SWP Calculator

• Fixed Withdrawal SWP Calculator: Calculates returns when a predefined amount is withdrawn at regular intervals.

• Monthly Income SWP Calculator: Designed for investors seeking predictable monthly cash flows.

• Retirement SWP Calculator: Helps retirees assess the sustainability of their investment corpus over the years.

• Goal-Based SWP Calculator: Assists in planning withdrawals for specific financial objectives such as education, travel, or healthcare.


How Does a Systematic Withdrawal Plan Work?

• You invest a lump sum amount in a mutual fund scheme.
• You instruct the fund house to withdraw a fixed amount at a chosen frequency.
• To fulfill the withdrawal request, mutual fund units equivalent to the required value are redeemed.
• The remaining units stay invested and continue to participate in market movements.
• If the fund generates returns higher than the withdrawal rate, the investment may sustain itself for a longer period.
• Investors can modify, pause, or stop the SWP depending on their financial requirements and the scheme’s conditions.
SWPs offer flexibility and can be tailored to an individual's income needs without requiring the complete redemption of investments.


What is the SWP Calculator Formula?

An SWP calculator estimates the remaining investment value after regular withdrawals by applying an assumed periodic rate of return to the outstanding corpus. For withdrawals made at the end of each period, the future value may be calculated using the following formula:
Remaining Corpus = P × (1 + r)n − W × [((1 + r)n − 1) ÷ r]• P = Initial investment amount
• W = Withdrawal amount per period
• r = Assumed rate of return per period; for monthly withdrawals, annual rate ÷ 12
• n = Total number of withdrawal periods
Note: This formula assumes a constant rate of return and withdrawals at the end of each period. If withdrawals are made at the beginning of each period, the calculation will differ. Actual mutual fund returns are market-linked and may vary; taxes, exit load, and other applicable charges may also affect the remaining corpus.


How to Use the Axis MF SWP Calculator

• Enter the amount you plan to invest in the mutual fund.
• Select the expected annual rate of return.
• Choose your preferred withdrawal frequency.
• Enter the amount you wish to withdraw regularly.
• Select the investment duration.
• Click on calculate to view projected withdrawals and the remaining corpus.
The Axis MF SWP Calculator instantly generates estimates, making it easier to compare different withdrawal strategies and choose an approach that aligns with your financial foals


Benefits of a Systematic Withdrawal Plan

• Regular Income: Provides a steady cash flow without liquidating the entire investment.
• Flexibility: Investors can choose withdrawal amounts and frequencies.
• Potential Growth: The remaining corpus continues to stay invested and may generate returns.
• Retirement Planning: Suitable for creating a predictable income stream after retirement.
• Disciplined Withdrawals: Helps investors avoid impulsive withdrawals and better manage finances.
• Convenience: Automatic transfers eliminate the need for repeated redemption requests.


SWP vs FD

Feature SWP Fixed Deposit (FD)
Returns Market-linked Fixed and predetermined
Income Frequency Flexible Fixed interest payout schedule
Growth Potential Better growth potential, subject to market performance Limited growth potential
Liquidity Relatively flexible. Withdrawals are subject to exit load. May attract penalties on premature withdrawal
Inflation Impact Better long-term potential Returns may struggle to beat inflation
Risk Level Market risk involved Generally lower risk
Taxation Depends on capital gains rules Interest taxed as per income slab

For investors looking for regular income with growth potential, SWP may offer more flexibility than a traditional fixed deposit. However, investment decisions should always consider individual risk appetite and financial goals.


Key Risks and Factors to Consider Before Starting an SWP

• Mutual funds are subject to market risks, and returns are not guaranteed.
• Excessive withdrawal amounts may deplete the corpus faster than expected.
• Fund performance can directly influence the sustainability of withdrawals.
• Tax implications may arise depending on the fund type and holding period.
• Inflation should be considered while deciding withdrawal amounts.
• Regular review of the SWP strategy is important to ensure it remains aligned with financial objectives.
Before starting a systematic withdrawal plan, investors should evaluate their income needs, investment horizon, and risk tolerance to create a sustainable withdrawal strategy.


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SWP Calculator FAQs

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan is a facility that allows mutual fund investors to withdraw a fixed amount at regular intervals while keeping the remaining investment invested. It is commonly used to create a regular income stream for retirement or recurring expenses.

What is the SWP Calculator?
How does an SWP calculator work?
How can an SWP calculator benefit you?
However, the investors should understand that the withdrawals could take place from the principal amount invested. How does inflation impact SWP calculations?
Who should invest in an SWP?
How can a SWP calculator assist you?
How to use SWP calculator?
How can a SWP calculator benefit you?
Can I choose the withdrawal amount or is it fixed?
When to use SWP?
Can individuals who are not retirees invest in an SWP?
How accurate are the calculations of SWP Calculators?
What factors should I consider while using the SWP Mutual Fund Calculator?
Can SWP calculator help me save taxes?
What is the rate of return in SWP?
What is the SWP formula used in the calculator?
How do I use the Axis MF SWP Calculator?
Who should opt for a Systematic Withdrawal Plan?
When should I use an SWP?
Is SWP taxable in India?
Is SWP better than FD?
Can I stop an SWP at any time?
Is SWP 100% safe?
What is the 4% rule in SWP?
Which SWP fund is best?