MoneyCalcIndia
investment

SWP Calculator

Plan systematic withdrawals from your corpus with optional annual increment to beat inflation.

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yrs
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⚠ Corpus runs out in 18 yrs 11 mo

Consider reducing withdrawal or increasing expected return.

Total Withdrawn₹1,08,51,985
Initial Corpus₹50,00,000
Returns Earned₹58,51,985
Remaining Corpus₹0

Withdrawal Growth

Year 1 monthly₹30,000
Year 19 monthly₹72,199

Corpus Over Time

Monthly Withdrawal with 5% Annual Increment

▶How is this calculated?

Each month, returns are earned on the remaining corpus at the specified rate, then the withdrawal amount is deducted. With annual increment enabled, the withdrawal amount increases by the given percentage at the start of each year.

Monthly cycle: Corpus → Earn returns → Withdraw → Remaining corpus

If withdrawals exceed returns, the corpus depletes. The calculator tells you exactly when it runs out.

Frequently Asked Questions

What is SWP (Systematic Withdrawal Plan)?▼
SWP allows you to withdraw a fixed amount from your mutual fund investment at regular intervals (usually monthly). Your remaining corpus continues to earn returns. It is commonly used for regular income during retirement.
Why add an annual increment to SWP?▼
Inflation erodes purchasing power over time. If you withdraw ₹50,000/month today, the same amount will buy less in 10 years. A 5–6% annual increment on withdrawals helps maintain your purchasing power. However, it depletes the corpus faster.
How is SWP different from SIP?▼
SIP is investing regularly (putting money in), while SWP is withdrawing regularly (taking money out). SIP builds a corpus; SWP draws down from one. They are often used together — SIP during working years, SWP during retirement.
Is SWP tax-efficient?▼
SWP from equity mutual funds held for over 1 year is taxed as long-term capital gains (LTCG) at 12.5% on gains above ₹1.25 lakh/year. Only the gains portion of each withdrawal is taxable, not the full amount — making SWP more tax-efficient than FD interest.
What return rate should I assume?▼
For balanced/hybrid funds, 8–10% is a reasonable assumption. For pure equity funds, 10–12%. For debt funds, 6–8%. Use a conservative estimate since your corpus must last through your retirement.

This calculator provides estimates for informational purposes only. Actual outcomes may vary based on applicable laws, financial institutions, products and individual circumstances.