About SWP Calculator
Plan retirement income with our SWP Calculator. Model monthly withdrawals from your corpus at an expected return to see how long funds last, total withdrawn, and remaining balance over time.
SWP Calculation
Use these standard formulas for accurate estimates:
Monthly balance
Balance = (Balance × (1 + r)) − Withdrawal
r = monthly return rate
r = monthly return rate
Sustainable rate
Safe withdrawal ≈ (Annual return ÷ 12) × Corpus
Example Calculation
Example: ₹50L corpus, ₹25K/month @ 10%
| Component | Value |
|---|---|
| Starting corpus | ₹50,00,000 |
| Monthly SWP | ₹25,000 |
| Withdrawal rate | 6% p.a. |
| Sustainability | 20+ years (typical) |
Benefits of Using This Calculator
Instant results with standard financial formulas
Clear charts and tables for better decisions
Mobile-friendly — works on any device
100% free — no signup or data stored on servers
Built for Indian investors and taxpayers
Compare scenarios side-by-side where applicable
Frequently Asked Questions
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Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from your mutual fund corpus while the rest stays invested.
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Depends on withdrawal amount, return rate, and starting corpus. If withdrawals exceed growth, the corpus can deplete early.
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Redemptions may trigger capital gains tax depending on fund type and holding period. Consult a tax advisor for specifics.
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Many planners use 4–6% of corpus annually, but sustainability depends on returns and inflation.
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