SWP Calculator
A systematic withdrawal plan turns a lump sum into a monthly income. This shows how long your money lasts, what remains at the end, and the withdrawal rate your corpus can sustain forever.
Total withdrawn
₹72,00,000
Balance left
₹1,00,09,152
Safe monthly withdrawal
₹37,500
keeps the capital intact
After 20 years of withdrawals you would still hold ₹1,00,09,152.
Withdrawals are taken at the end of each month, after that month of growth. Capital gains tax on each redemption is not deducted.
How to use
- 1Enter the total amount you have invested.
- 2Enter how much you want to withdraw each month.
- 3Set your expected return and how long the withdrawals need to last.
- 4Check the safe monthly withdrawal figure to see whether your plan drains the corpus early.
Frequently Asked Questions
How does an SWP work?
You invest a lump sum in a mutual fund and instruct the fund house to redeem a fixed amount every month into your bank account. The rest stays invested and keeps growing, so the corpus depletes far more slowly than simply spending the cash.
How much can I withdraw safely?
As a rule of thumb, withdrawing no more than the portfolio's return keeps the capital intact. The calculator shows this figure — anything above it eats into your principal, which may still be fine if the money only has to last a fixed number of years.
Is SWP better than a fixed deposit for monthly income?
Usually yes on tax. Each SWP payout is a partial redemption, so only the gain portion is taxed, whereas the entire FD interest is taxable. SWP returns are not guaranteed though, and a bad market run early can shorten how long the corpus lasts.
Does the calculator account for tax?
No — it shows gross withdrawals. Capital gains tax applies to the gain portion of each redemption, so your actual in-hand amount will be slightly lower.