NRI Systematic Withdrawal Plan (SWP) Calculator
Plan monthly withdrawals in your selected currency and estimate how long your investment portfolio could last.
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Portfolio balance over time
Projected year-end balanceYear-by-year breakdown
| Year | Opening balance | Monthly withdrawal | Withdrawn | Returns | Closing balance |
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Planning withdrawals from Indian investments as an NRI
A systematic withdrawal plan (SWP) usually redeems units from an Indian mutual fund at regular intervals. This calculator can also be used as a planning projection for a broader Indian investment portfolio. It shows the effect of regular withdrawals, an annual increase in the withdrawal amount and estimated investment returns.
How the projection works
The expected annual return is converted to an effective monthly rate. Each month, the projected return is added before the withdrawal is made. The monthly withdrawal increases after every 12 months, and the calculation stops if the portfolio can no longer fund the scheduled amount.
Important NRI considerations
Monetary inputs and results use your selected currency. Non-INR amounts are converted through INR using the exchange rate entered; actual exchange-rate movements can change the value received in your country of residence. Tax treatment can also vary by investment type and residential status.
Common questions
Is SWP income guaranteed?
No. Withdrawals may include both invested capital and gains, and actual market returns will vary from this projection.
Does this include NRI taxes?
No. The calculator does not model Indian tax, foreign tax credits, tax deducted at source, exit loads or transaction fees.
Does it model mutual fund units?
No. It projects the portfolio balance rather than individual units, NAV changes or the cost basis of each redemption.
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