SWP Calculator
Plan a systematic withdrawal plan (SWP) and see how long your corpus lasts with monthly payouts.
About the SWP Calculator
Enter your starting corpus, the monthly amount you want to withdraw, the expected return and how many years to show. The calculator shows the balance left, the total withdrawn, the most you could take forever at that return, and whether the money runs out.
An SWP redeems a fixed amount from a mutual fund every month, which suits retirees wanting regular income. If withdrawals are below what the fund earns, the corpus keeps growing; above it, the corpus shrinks.
The formula
Each month: balance = balance × (1 + r/12) − withdrawal
Worked example
₹50 lakh corpus at 8% a year
- Sustainable forever: 50,00,000 × 8% ÷ 12 = ₹33,333 a month
- Withdrawing ₹30,000 a month: about ₹69.6 lakh left after 20 years
- Withdrawing ₹40,000 a month: about ₹10.7 lakh left after 20 years
Things to keep in mind
- Withdrawals stay the same each year; if you raise them with inflation the corpus lasts less long.
- Fund returns vary; a fall in the early years shortens how long the money lasts.
Questions people ask
How are SWP withdrawals taxed in India?
Each redemption is a sale of units, taxed as capital gains on the gain portion only.
What withdrawal is safe?
Keeping withdrawals at or below the return the corpus earns preserves the capital.
SWP or dividends?
An SWP pays a fixed amount you choose; fund dividends (IDCW) vary and are taxed as income.