A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from your mutual fund investment.

How does an SWP calculator help?

It projects remaining corpus over time based on withdrawal amount, expected returns, and tenure.

Is SWP good for retirement income?

SWP can provide regular cash flow in retirement, but market returns and withdrawal rate affect how long the corpus lasts.

SWP Calculator India

An SWP (Systematic Withdrawal Plan) calculator shows how long a corpus lasts when you withdraw a fixed amount every month while the rest stays invested. It is how many retirees turn savings into a monthly income.

Loading…

How the SWP Calculator India works

Each month the remaining balance earns the expected return, then your withdrawal is paid out. If the return covers the withdrawal, the corpus can last indefinitely; if not, it runs down.

Withdrawals from mutual funds are partly your own capital, so only the gain portion is taxed, which often makes SWP more tax-efficient than interest income.

Worked example: ₹50 lakh corpus, ₹30,000 a month, 8% return

First month: the corpus earns about ₹33,333, then ₹30,000 is withdrawn.
After 20 years you have withdrawn ₹72 lakh and ₹69.6 lakh is still invested.

₹50 lakh at 8%: balance left after monthly withdrawals
Monthly withdrawal	After 10 years	After 20 years	After 30 years
₹20,000	₹74.4 lakh	₹1.29 crore	₹2.49 crore
₹30,000	₹56.1 lakh	₹69.6 lakh	₹99.7 lakh
₹40,000	₹37.8 lakh	₹10.7 lakh	Exhausted

Illustrative, assuming a constant rate. Actual returns and rates vary.

Tips

A yearly withdrawal of 4% to 5% of the corpus is a common starting point for a long retirement.
Keep 2 to 3 years of withdrawals in debt funds so you never sell equity in a crash.
Raise withdrawals with inflation only if the corpus is keeping up.

Want to know if your whole plan is on track? Get your free money score in about two minutes. No PAN, no Aadhaar.

About the SWP Calculator India

Free SWP (Systematic Withdrawal Plan) calculator. Plan monthly withdrawals from mutual funds, see how long your corpus lasts and model retirement income.

Frequently asked questions

What is SWP?: A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from your mutual fund investment.
How does an SWP calculator help?: It projects remaining corpus over time based on withdrawal amount, expected returns, and tenure.
Is SWP good for retirement income?: SWP can provide regular cash flow in retirement, but market returns and withdrawal rate affect how long the corpus lasts.

Loading Finkoin…