💸 SWP Calculator

Systematic Withdrawal Plan Calculator

A SWP (Systematic Withdrawal Plan) is the reverse of a SIP — instead of investing monthly, you withdraw a fixed amount from your invested corpus while the remainder continues to earn returns. This free SWP calculator for Pakistan works in two modes: find how many years your corpus will last at a given monthly withdrawal, or calculate the maximum you can withdraw each month over a target period. Enter your corpus, expected annual return, and withdrawal amount to see a full year-by-year depletion schedule.

What do you want to find?
Enter your corpus, return rate & monthly withdrawal → find how many years it lasts.
Rs 1LRs 10 Cr
0.1%40%
Rs 1,000Rs 20L
Corpus Lasts
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Duration
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Total Withdrawn
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Interest Earned
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✨ Your withdrawal is ≤ monthly interest — corpus will never deplete. You are living purely off returns.

Corpus Balance Over Time

How your invested corpus shrinks with each withdrawal

Annual Withdrawal vs Interest Earned

Year-by-Year Withdrawal Schedule

Year Opening Balance Withdrawn Interest Closing Balance

How to Use

  1. Choose your mode: How long? to find corpus duration, or Max withdrawal to find the highest sustainable monthly amount.
  2. Enter your total invested corpus in PKR (e.g., Rs 50,00,000).
  3. Set the expected annual return — use 12–15% for money market funds, 18–22% for equity funds.
  4. Enter your desired monthly withdrawal (duration mode) or target period in years (withdrawal mode).
  5. Read the corpus duration or maximum monthly withdrawal, plus the full year-by-year depletion schedule.

Frequently Asked Questions

What is an SWP (Systematic Withdrawal Plan) in Pakistan?
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A Systematic Withdrawal Plan (SWP) is an investment strategy offered by mutual funds in Pakistan that allows you to withdraw a specific, pre-determined amount at regular intervals (monthly, quarterly, or annually) from your existing investment. It is highly popular among retirees looking for a steady monthly income stream.
How does an SWP calculator work?
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The SWP calculator helps you determine how long your mutual fund investments will last based on your initial capital, your desired periodic withdrawal amount, and the expected annual return rate (%) of the fund. It calculates how your remaining balance evolves while you continue making withdrawals.
What is the difference between SIP and SWP?
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A SIP (Systematic Investment Plan) is used to regularly invest money to build wealth. An SWP is the exact opposite — you regularly withdraw money to generate a consistent income while the rest of your capital stays invested and continues to grow.
What return rate should I use?
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For conservative corpus parked in money market funds, use 12–15%. For balanced funds, 18–20%. For equity funds, 22–28%. Using a lower rate gives you a safety margin.
What happens if I withdraw more than the monthly interest?
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Your corpus shrinks each month. The calculator shows exactly how many years it will last. If your withdrawal equals or is less than the monthly interest earned, the corpus never depletes — you live purely off the returns.
How is monthly interest calculated?
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Monthly interest = Corpus × (Annual Rate ÷ 12 ÷ 100). The closing balance each month = Opening balance × (1 + monthly rate) − withdrawal amount.