SWP calculator
Planning to live off a corpus? Enter how much you have, how much you want each month, and the return you expect. See how long the money lasts and what is left.
Year by year
| Year | Monthly withdrawal | Withdrawn this year | Balance at year end |
|---|
Reading the result honestly
The calculator assumes a steady return every month. Real markets do not behave that way. A fall in the first few years, while you are already withdrawing, does far more damage than the same fall later. Many retirees keep two to three years of withdrawals in a liquid or short-term debt fund so they never have to sell equity at a low point.
Building the corpus first? Use the FIRE calculator to work out how much you need, and the SIP step up calculator to plan the monthly investment that gets you there.
Questions people ask
What is an SWP?
A systematic withdrawal plan (SWP) takes a fixed amount from your mutual fund investment every month and pays it to your bank account. The rest stays invested and keeps earning. It is the reverse of a SIP, and it is commonly used for retirement income.
How much can I withdraw every month without running out?
It depends on your corpus, the return it earns, and how long you need the income. The calculator shows the highest monthly withdrawal that lasts your chosen number of years, including your yearly increase.
Should I increase my SWP every year?
If the income pays for living costs, yes. At 6% inflation, ₹50,000 a month today buys only about half as much in 12 years. A yearly increase keeps your spending power steady, but it drains the corpus faster.
How is SWP taxed?
Each withdrawal is treated as a partial redemption. Only the gain portion of each withdrawal is taxed, at equity or debt fund rates depending on the fund and how long the units were held. That usually makes SWP more tax-efficient than interest income of the same amount.