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SWP Calculator

Plan a regular income from your savings: enter the corpus, the monthly withdrawal and the expected return to see whether the money lasts.

What is an SWP?

A systematic withdrawal plan, or SWP, takes a fixed sum out of a mutual fund investment every month by selling just enough units. The rest stays invested and keeps earning, which is why an SWP can provide income for many years from a corpus built through SIPs or a lumpsum.

This calculator shows how long withdrawals will last at a steady return, the total withdrawn and the balance left after the period you choose. You can raise the withdrawal each year to keep pace with inflation and see the effect on how long the money lasts, which matters most when an SWP is funding retirement.

How to use the SWP Calculator

  1. 1.Enter your corpus

    Type the amount invested, such as 50L for ₹50 lakh.

  2. 2.Set the withdrawal

    Enter the monthly amount you want, the expected return and for how many years.

  3. 3.Add inflation

    Optionally raise the withdrawal every year so its buying power holds, then see whether the corpus survives.

Example: ₹50 lakh, ₹30,000 a month, 8%

Withdrawing ₹30,000 a month for 20 years from ₹50,00,000 earning 8% a year:

Earned in month one
₹33,333
Total withdrawn
₹72,00,000
Left after 20 years
₹69,63,401
With a 6% yearly increase
runs out after 17 years 2 months

Because ₹30,000 is less than the ₹33,333 the corpus earns at first, the balance grows, until inflation-linked increases overtake it.

Withdrawals versus growth

Each month the balance earns the yearly return ÷ 12, then the withdrawal is taken out. If the withdrawal is smaller than what the balance earns, the corpus keeps growing; if it's larger, the balance shrinks and eventually runs out. The calculator shows the month that happens.

Only the gains part of each withdrawal is taxed as capital gains, which often makes an SWP more tax-efficient than interest income. Tax isn't included here.

Frequently asked questions

How much can I withdraw from ₹50 lakh?

At 8% a year, ₹30,000 a month for 20 years still leaves about ₹69.6 lakh. ₹40,000 a month runs out after about 22.5 years.

Should the withdrawal rise with inflation?

If it's your living income, yes. At 6% a year, ₹30,000 a month from ₹50 lakh at 8% lasts about 17 years instead of indefinitely.

Which funds suit an SWP?

Many retirees use hybrid or debt funds for steadier returns. The expected return you enter should match the fund type.

What's the difference between SWP and SIP?

A SIP puts money in every month; an SWP takes money out every month from an existing investment.

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