SWP calculator on real mutual fund data
Not an assumed rate. Pick any AMFI-listed scheme, set an opening corpus and a withdrawal amount, and see what that historical SWP withdrew, what remained, and the XIRR from published NAVs.
Trailing returns as of the latest published NAV. Under 1 year would show absolute return; all periods here are annualised (CAGR). Past performance does not guarantee future returns.
Or look up a specific fund, corpus and withdrawal
Results
Withdrawn, residual, and XIRR from real NAVs
See how a real SWP would have drawn down
Pick a scheme, an opening corpus, and a withdrawal amount. We redeem units at each period’s actual NAV and show total withdrawn, remaining value, and XIRR.
Search any AMFI-listed fund, or customise one from the table above
Past performance is not a guarantee of future results. Figures use published AMFI NAVs, exclude exit load and capital-gains tax, and are for education only, not investment advice.
How this is calculated
On the start date we buy units with your corpus at that day’s NAV (or the next trading day). Each following period on your withdrawal day we redeem withdrawal ÷ NAV units. Remaining value is leftover units times the as-of NAV. Wealth created is total withdrawn plus remaining value, minus the opening corpus. The annualised figure is XIRR across that cash-flow schedule.
The exact formula
invest: units = corpus ÷ NAV on invest date
each period: redeem units = withdrawal ÷ NAV (or all remaining if short)
remaining = leftover units × NAV on as-of date
total out = sum of withdrawals
wealth = total out + remaining − corpus
XIRR = annualised rate solving NPV(cash flows) = 0
(−corpus; +each withdrawal; +remaining)Worked idea. ₹10 lakh invested, ₹8,000 withdrawn every month for five years. If those redemptions totalled ₹4.8 lakh and ₹7.2 lakh still sat in the fund, total received is ₹12 lakh: ₹2 lakh of wealth created versus the opening corpus, even though part of the money left the portfolio along the way.
Results reflect what already happened to this scheme. They are not a promise about what it, or any fund, will return in future. Figures exclude exit load and tax on capital gains.
Frequently asked questions
- How is this different from the regular SWP Calculator?
- The SWP Calculator on our /tools page projects forward using a return rate you assume. This one looks backward: it invests a real corpus in a scheme’s published NAV history, redeems units each period at that day’s NAV, and shows what was withdrawn and what remained.
- When does the first withdrawal happen?
- The corpus is invested on the period-from date. The first SWP redemption is one full period later (one month for monthly, one quarter for quarterly), so the investment has a full period to move with the market before the first draw.
- What if there are not enough units left for a withdrawal?
- We redeem whatever units remain (a partial last withdrawal if needed) and stop the SWP. The results flag that the corpus was exhausted before the chosen end date.
- How is XIRR calculated for an SWP?
- The opening corpus is a cash outflow on the invest date. Each withdrawal is an inflow on its NAV date, and any remaining portfolio value is a final inflow on the as-of date. XIRR is the annualised rate that makes the NPV of that schedule zero.
- Where does the NAV data come from?
- From AMFI (the Association of Mutual Funds in India), the official body every AMC reports NAVs to. We do not use any distributor’s own figures.
- Does this include exit load or capital gains tax?
- No. Withdrawals and remaining value are before exit load and before tax on gains. Both would reduce what you actually receive.
Keep going
Run the numbers
SWP calculator
A Systematic Withdrawal Plan (SWP) pays you a fixed amount from a lumpsum every month while the rest stays invested.
Also useful: Lump Sum Returns, Rolling Returns
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