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SWP Calculator

Calculate how long your investment corpus lasts with regular withdrawals.

%

Results

Total Withdrawn₹1.80 Cr
Corpus Lasts (months)600
Corpus Lasts (years)50
Remaining Balance₹3.14 Cr
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What is SWP?

SWP (Systematic Withdrawal Plan) is the opposite of SIP. Instead of investing a fixed amount monthly, you withdraw a fixed amount from your mutual fund corpus every month. It's ideal for retirees or anyone who needs regular income from their investments.

The remaining corpus continues to earn returns, so with a reasonable withdrawal rate (4-6% annually), your money can last much longer than simple division would suggest.

Formula

Each month: New Balance = (Previous Balance × (1 + monthly return rate)) − Monthly Withdrawal

The corpus depletes when the balance reaches zero.

For ₹50 Lakhs at 8% return with ₹30,000/month withdrawal: - Corpus lasts approximately 27+ years - Total withdrawn ≈ ₹97+ Lakhs

The key insight: at 8% return, you can safely withdraw ~₹33,000/month from ₹50 Lakhs indefinitely.

How to use this SWP Calculator?

1. Enter your total investment corpus. 2. Set the monthly withdrawal amount you need. 3. Enter the expected annual return rate. 4. See how many months/years your corpus will last.

Frequently asked questions

What is a safe SWP withdrawal rate?
The 4% rule suggests withdrawing 4% of your corpus annually (adjusted for inflation) to make it last 30+ years. In India, with higher returns (8-10%), you can safely withdraw 5-6% annually.
Is SWP tax-efficient?
Yes, SWP from equity mutual funds held over 1 year is taxed at 12.5% LTCG (only on gains above ₹1.25 lakh). This is more tax-efficient than FD interest which is taxed at your full slab rate.
Can I change my SWP amount?
Yes, you can modify, pause, or stop your SWP anytime without any penalty. You can also change the withdrawal date.
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