SWP Calculator
Plan a systematic withdrawal from your corpus — see your monthly income, total withdrawn, and how long the money lasts.
Total Withdrawn
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Balance Left
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How the SWP calculator works
Enter your corpus, the monthly amount you want to withdraw, an expected return on the remaining balance, and the period. Each month the calculator grows the balance by one month's return, then subtracts your withdrawal — showing how much you draw in total and what's left at the end.
The 4% rule of thumb
A common retirement guideline is to withdraw about 4% of your corpus a year (₹33,000/month on ₹1 crore). Withdraw much more and you risk running out; much less and you may be living too frugally. Stress-test different rates here before you retire.
Frequently Asked Questions
What is an SWP?
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from a mutual fund investment at regular intervals while the remaining corpus stays invested and keeps growing. It is widely used to create a regular income in retirement.
How long will my corpus last?
It depends on the balance between your withdrawal rate and the return on the remaining corpus. If withdrawals exceed growth, the corpus depletes over time; if growth exceeds withdrawals, it can last indefinitely. This calculator shows the ending balance and how long the money lasts.
Is SWP better than a dividend or interest payout?
SWP gives you control over the exact amount and timing, and can be more tax-efficient than dividends because only the gain portion of each withdrawal is taxed. For retirees in lower brackets it often beats fully-taxable FD interest.
How is SWP taxed?
Each withdrawal is part capital and part gain; only the gain is taxed, as capital gains based on the fund type and holding period. This is generally more tax-efficient than FD interest. Verify current rules before relying on this.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.