SWP Calculator
A Systematic Withdrawal Plan, or SWP, is the opposite of a SIP — instead of putting money in every month, you draw a fixed amount out. This calculator shows how long your corpus will last, what monthly income you can safely take, and the residual value at the end. Perfect for retirement income, supplementing pension, or living off accumulated mutual fund wealth.
₹12,00,000
Total Withdrawn
₹6,58,592
Remaining Corpus
₹10,000
Monthly Payout
Corpus Balance Over Time
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How a SWP calculator works
An SWP withdraws a fixed rupee amount from your mutual fund holdings every month. The remaining balance keeps growing at the fund's return rate. Each month, the corpus earns a return first, then your withdrawal comes out. Rinse and repeat until the corpus runs out — or lasts indefinitely, if your withdrawal rate is low enough.
Worked example
A ₹50 lakh corpus that earns 10% annually and from which you withdraw ₹40,000 per month will last roughly 23 years — and over those 23 years you will receive about ₹1.1 crore in total income. If you withdraw ₹60,000 per month from the same corpus, it lasts only about 12 years and pays you ₹86 lakh. The withdrawal rate is the single biggest lever.
When to use this versus our other tools
The basic SWP calculator answers "if I assume X% return, how long will my corpus last?". When you want to know how an SWP actually would have performed against a specific fund's NAV history, use the Real SWP backtest. For pre-retirement corpus building, use Retirement Calculator to figure out how much you need before starting an SWP.
Frequently Asked Questions
What is a safe withdrawal rate?▾
A common rule of thumb is 4% per year of the starting corpus, adjusted for inflation. SWPs above 8% per year exhaust most equity corpuses within 15 years.
Will I be taxed on the withdrawal?▾
Only the gains portion is taxed, not the principal. For equity funds, units held over 12 months get LTCG treatment.
Can I change the SWP amount?▾
Yes, most fund houses allow you to pause, modify or stop the SWP any time.
Should I run an SWP from an equity or debt fund?▾
Hybrid or large-cap equity funds are most common — debt funds give more stability but lower long-run withdrawals.
Does the calculator factor in inflation?▾
No. To preserve real purchasing power, plan to step up the withdrawal by ~5% every year.
Is SWP better than dividend payout?▾
Yes — you control the cash flow, dividends don't. SWP is taxed only on gains, while IDCW dividends are taxed at slab.