Figure Out Your Monthly Income from Investments
What’s a systematic withdrawal plan?
Think of it this way: you put a big chunk of money into a mutual fund one time. Then you tell the fund, “Hey, I want to take out this much money every month (or week, or quarter).” And they do it automatically. It’s basically like paying yourself a regular salary from your own savings.
Here’s a simple example. Let’s say you put ₹2 lakh into a mutual fund. You decide you need ₹8,000 every month. So every month, they take out ₹8,000 and give it to you. The cool part? The money that’s still sitting there keeps growing and earning more money for you.
Why you’ll want to use this calculator
Look, trying to do this math yourself is a headache. You’ve got money going in, money coming out each month, and the leftover money is earning interest. Good luck figuring that out without making mistakes.
Let the calculator do the heavy lifting. Add how much you’re investing, how much you plan to withdraw monthly, and your expected returns. It quickly shows your payouts and remaining balance—no complex math, no confusion.
Let me show you how your money works
I’ll walk you through a real example so you can actually see what happens.
You invest ₹50,000 for one year. You want ₹1,000 every month. Your fund is earning 10% per year.
Month 1: You’ve got ₹50,000. You take out ₹1,000. You earn ₹408 in interest.
Month 2: Now you’ve got ₹49,408. You take out ₹1,000. You earn ₹403.
Month 3: You’ve got ₹48,812. Take out ₹1,000. Earn ₹398.
Month 4: You’ve got ₹48,210. Take out ₹1,000. Earn ₹393.
Month 5: You’ve got ₹47,604. Take out ₹1,000. Earn ₹388.
Month 6: You’ve got ₹46,992. Take out ₹1,000. Earn ₹383.
This keeps going all year. At the end of 12 months, you’ve taken out ₹12,000 total. But you also earned ₹4,565 in interest. So you still have ₹43,214 sitting in your account.
See? You got monthly money, AND your investment kept making more money. Win-win.
Using the calculator is super easy.
I promise, it’s so simple:
First: You’ll see boxes asking for your investment amount, how much you want each month, what returns you expect, and how long you’re investing.
Second: Just fill in your numbers. How much are you investing? How much do you need monthly? What returns do you think you’ll get?
Third: Click calculate. That’s it. You’ll get everything laid out—how much you’ll withdraw and what you’ll have left.
No sign-ups, no complicated forms. Just type and click.
Who should use this?
You’re retired or getting close. If you’ve stopped working and need money coming in every month (on top of your pension or instead of one), this is perfect. You get steady cash while your savings keep earning.
You need extra income right now. Maybe you’re taking time off work, switching careers, or just want some extra money each month. SWP gives you that steady paycheck feeling.
You’re paying for school or college. Do you get tuition bills every month or semester? Set up your withdrawals to match when those payments are due.
You just got a big pile of money as an inheritance? Bonus? Lottery win? Instead of blowing it all at once, use SWP to give yourself controlled monthly payments.
Why this calculator rocks
No vague projections. Just clear outcomes. No “more or less” or “somewhere near.” You’ll see exactly what’s ahead.
Experiment with scenarios. Not sure whether to withdraw ₹15,000 or ₹10,000 monthly? Check both and decide confidently.
Free to use anytime. No fees. No surprises.
Anyone can use it. You don’t need to understand finance or be good at math. Just put in your numbers, and the calculator handles the rest.
Always there when you need it, Midnight? Lunch break? Weekend? Doesn’t matter. The calculator works whenever you want to use it.
Questions you might have
Can I change my monthly amount? Yep, you set whatever amount works for you. And you can choose weekly, monthly, quarterly, or yearly withdrawals—whatever fits your life.
When should I use SWP? It’s great when you need regular money but don’t want to empty your account all at once. Lots of people use it after retirement, during breaks from work, or when they have regular bills to pay.
Is this just for old people? Nope. Retirees use it a lot, sure, but so do younger folks who want extra income. Parents use it for school costs. Really, anyone who wants regular withdrawals can use it.
What if my investments don’t do well? If your returns are lower than you hoped, you’ll end up with less money at the end. That’s why it’s smart to be realistic (maybe even a bit pessimistic) when you guess your returns in the calculator.
Can I stop taking money out if I want? Yes, most funds let you change or stop your withdrawals whenever you need to. Just check with your specific fund about their rules.
Ready to get started? The calculator shows you the plan, but the real benefits happen when you actually set up your SWP. Pick a good mutual fund, decide on your withdrawals, and start getting regular income while your money keeps working for you.