SWP calculator
Draw a regular income from your corpus and see how long it lasts. Enter your investment, a monthly withdrawal and an expected return — the calculator shows the total income drawn, the balance left, and whether your money outlives the plan.
SWP details
Tweak the numbers — results update live
Your corpus lasts the full 10 years, leaving ₹3,90,180 at the end.
₹10L
Invested
starting corpus
₹12L
Withdrawn
total income
₹3.9L
Balance left
at the end
Year-by-year drawdown
Withdrawn so far vs balance remaining
| Year | Withdrawn (cum.) | Balance |
|---|---|---|
| 1 | ₹1,20,000 | ₹9,58,500 |
| 2 | ₹2,40,000 | ₹9,13,556 |
| 3 | ₹3,60,000 | ₹8,64,881 |
| 4 | ₹4,80,000 | ₹8,12,167 |
| 5 | ₹6,00,000 | ₹7,55,077 |
| 6 | ₹7,20,000 | ₹6,93,249 |
| 7 | ₹8,40,000 | ₹6,26,289 |
| 8 | ₹9,60,000 | ₹5,53,771 |
| 9 | ₹10,80,000 | ₹4,75,235 |
| 10 | ₹12,00,000 | ₹3,90,180 |
Balance left
₹3,90,180
Income from a corpus
Withdraw, while the rest keeps earning
An SWP is the engine behind a self-made pension. Each month you take out a fixed amount, and whatever stays invested continues to compound. The art is setting a withdrawal your corpus can sustain — too high and it drains, just right and it can last for life.
- 1
Start with a corpus
A lumpsum — often built through years of SIPs — becomes the source of your income.
- 2
Withdraw monthly
A fixed amount is redeemed each month and credited to you as income.
- 3
The rest compounds
The remaining balance keeps earning returns, partly offsetting what you take out.
- 4
Watch the balance
If withdrawals exceed returns, the corpus shrinks. The calculator flags when it would run dry.
Questions
Frequently asked
What is an SWP?
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your mutual fund corpus at regular intervals — usually monthly — while the remaining balance stays invested and keeps earning returns. It is the mirror image of a SIP: instead of paying in, you draw out, making it popular for generating a steady retirement income.
How does this SWP calculator work?
Each month the calculator grows the remaining corpus by one month’s return, then subtracts your withdrawal. It repeats this for the chosen period, tracking the balance year by year. It tells you the total withdrawn, the balance left at the end, and — crucially — whether your corpus lasts the full horizon or runs out early.
Will my money last with an SWP?
It depends on the balance between your withdrawal rate and your return. If your withdrawals are smaller than the returns the corpus earns, the balance can last indefinitely or even grow. If you withdraw more than it earns, the corpus shrinks and eventually runs out — this calculator flags exactly when that happens so you can adjust.
What is a safe withdrawal rate?
A common rule of thumb is to withdraw around 4% of the corpus per year (roughly 0.33% a month) so the money lasts for decades, but the right rate depends on your return assumption, horizon and inflation. Use the calculator to test your numbers — if it shows the corpus depleting too soon, lower the monthly withdrawal or extend the return.
How is SWP taxed?
Each withdrawal is treated as a partial redemption, so only the gains portion of each withdrawal is taxed — not the whole amount. For equity funds, long-term gains above ₹1.25 lakh a year are taxed at 12.5%; debt-fund gains are taxed at your slab rate. This makes an SWP more tax-efficient than fully redeeming and is one reason retirees prefer it. Confirm current tax rules before relying on them.
Is an SWP better than a fixed deposit for income?
An SWP can be more tax-efficient and may earn higher returns than an FD, but it carries market risk — the corpus value fluctuates. An FD gives guaranteed, predictable interest but is fully taxable at your slab rate. Many retirees use a mix: an FD for stability and an SWP for growth and tax efficiency.