SWP Calculator
Withdraw a fixed amount each month from a corpus and see how long it lasts.
Amount invested at the start
Income you draw each month
Hybrid/conservative ~8–9%
Total withdrawn
₹72.00 L
₹72,00,000
Balance left
₹1.00 Cr
₹1,00,09,152
Monthly income
₹30.0 K
₹30,000
Corpus balance over time
How this is calculated
How it works: Each month the balance first earns one month of return, then your withdrawal is deducted. If the withdrawal rate is below the return, the corpus can grow or last indefinitely; if higher, it depletes over time.
A popular way to draw a regular retirement income while staying invested. Returns are indicative.
Mutual fund investments are subject to market risks.
Want to actually invest this plan?
Talk to a SEBI / AMFI-registered advisor — zero fees from your side.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual-fund corpus at regular intervals (usually monthly) while the remaining balance stays invested and continues to earn returns. It is a popular way to draw a regular income in retirement.
How long will my SWP last?
It depends on the corpus, the withdrawal amount and the return earned. If your withdrawal rate is below the return, the corpus can last indefinitely; if it is higher, the balance depletes over time. This calculator shows exactly when.
Is SWP tax-efficient?
Each withdrawal is treated as a redemption — only the gain portion is taxed, and long-term capital-gains rules can make it more tax-efficient than fully taxable interest income. Consult a tax advisor for your situation.
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