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SWP Calculator

Find out how long your retirement corpus will last with monthly withdrawals.

₹50,00,000
₹30,000
8%

Corpus Lasts Forever

∞

Starting Corpus₹50.00 L
Monthly Withdrawal₹30,000
Monthly interest exceeds withdrawalSustainable

Safe withdrawal rate for India: 2.5-3% per year. Consider keeping 2-3 years of expenses in liquid funds.

Plan Your Retirement with Us

What is a SWP Calculator?

An SWP (Systematic Withdrawal Plan) calculator helps you determine how long your invested corpus will last if you withdraw a fixed amount every month. It also shows how much remains invested — since the balance continues to earn returns even as you withdraw.

SWP is the reverse of SIP: instead of investing regularly, you withdraw regularly from an existing corpus. The remaining amount stays invested in mutual funds and continues to grow.

SWP vs Annuity — Key Differences

Example of SWP

You invest ₹50,000 in a fund at 10% per annum and withdraw ₹1,000 per month. After 12 months, your balance is approximately ₹44,565 — you withdrew ₹12,000 but earned ₹6,565 in returns, so your net reduction was only ₹5,435.

Frequently Asked Questions

Who should use SWP?+
SWP is most commonly used by retirees and senior citizens who need regular income from their accumulated corpus. It can also be used for any regular financial need such as children's education fees or EMIs.
Can I choose my withdrawal amount?+
Yes. You can set any monthly withdrawal amount. The key is ensuring the withdrawal is sustainable — ideally 2.5 to 3% per year of the corpus for a 30-year retirement horizon in India.
Is SWP income taxable?+
SWP withdrawals from equity mutual funds are treated as capital gains. Gains above ₹1.25 lakh per year on equity funds held over 1 year are taxed at 12.5% (LTCG). This is more tax-efficient than FD interest.
What is the safe withdrawal rate for India?+
Financial planners recommend 2.5 to 3% per year for India — lower than the US 4% rule — due to higher inflation and different market conditions.
What happens if markets fall during withdrawal?+
This is called sequence-of-returns risk. A sharp market fall early in retirement, combined with ongoing withdrawals, can deplete your corpus faster. Solution: keep 2 to 3 years of expenses in liquid funds as a buffer.