🏠 Home🏦 EMI Calculator🏘️ HRA Calculator📈 SIP Calculator💰 Salary Calculator🧾 Tax Regime Comparator🎁 Gratuity Calculator📘 PPF Calculator🧾 GST Calculator💸 SWP Calculator📊 Lumpsum Calculator📈 Step-Up SIP Calculator🔢 XIRR Calculator🔥 FIRE Calculator

SWP Calculator 2026-27

See how long your corpus lasts with monthly withdrawals — and how much you can safely withdraw without depleting it.

✓ Corpus Sustainability  ·  ✓ Year-by-Year Balance  ·  ✓ Retirement Planning
SWP Details
₹50L
₹30,000
10%
Conservative: 8% · Balanced: 10% · Aggressive: 12%
20 yrs
Results update automatically
Corpus After Period
After 20 years
₹0
Total Withdrawn₹0
Returns Generated₹0
Monthly Withdrawal₹0
Fund Flow Overview
Corpus
₹0
Withdrawn
₹0

Year-by-Year Corpus Balance

YearOpening BalanceReturns EarnedAmount WithdrawnClosing Balance

What is SWP (Systematic Withdrawal Plan)?

SWP (Systematic Withdrawal Plan) is the mirror image of SIP. Instead of investing a fixed amount monthly, you withdraw a fixed amount from your mutual fund corpus every month, while the remaining balance continues to earn returns. SWP is widely used for retirement income, creating a monthly pension-like income from mutual fund investments.

How Does SWP Work?

Each month, mutual fund units worth your withdrawal amount are redeemed at the prevailing NAV and credited to your bank. The remaining corpus stays invested and earns returns.

Each month: Balance = Previous Balance × (1 + Monthly Return) − Monthly Withdrawal Monthly Return = Annual Return ÷ 12 ÷ 100 Corpus lasts as long as Balance > 0

SWP Calculation Example

Suppose you have a corpus of ₹50,00,000 and want to withdraw ₹30,000/month at 12% annual return:

Initial corpus: ₹50,00,000 Monthly withdrawal: ₹30,000 Expected return: 12% p.a. (1% monthly) Monthly return on corpus: ₹50,000 Net corpus growth: +₹20,000/month Corpus grows — SWP is fully sustainable!

Who Should Use SWP?

SWP is ideal for retirees who want a regular monthly income from their savings without depleting the principal too fast. It’s also suitable for people who have received a lumpsum (inheritance, retirement payout, property sale) and want to create a steady income stream. SWP from debt or hybrid funds provides more stability than equity-only SWP.

SWP vs FD Interest vs Dividend Option

SWP: Tax-efficient (only gains portion of withdrawal is taxed), flexible, can be stopped or modified anytime. FD Interest: Fully taxable as income, guaranteed but inflation-eroding over 20 years. Dividend Option: Unpredictable, subject to DDT (Dividend Distribution Tax at fund level). SWP from an equity fund is generally the most tax-efficient retirement income method for long-term investors.

Safe Withdrawal Rate for India

A commonly cited safe withdrawal rate for India is 3–4% of corpus per year. For a ₹1 crore corpus at 12% expected return, a monthly SWP of ₹25,000–35,000 is considered sustainable over 25+ years. Withdrawing too aggressively (above 6–7% annually) risks depleting the corpus within 15–18 years.

Related Calculators

Building your retirement corpus? Use our SIP Calculator to plan monthly investments. Check FIRE Calculator for early retirement planning. See how PPF can complement your SWP corpus with guaranteed tax-free returns.

Frequently Asked Questions

What is a Systematic Withdrawal Plan (SWP)? ⌄
SWP lets you withdraw a fixed amount from your mutual fund every month, quarter, or year while the remaining corpus continues to grow. It is the mirror image of SIP — ideal for retirement income.
Is SWP better than FD for retirement? ⌄
SWP from an equity fund can provide higher inflation-adjusted income over the long term vs FD, but carries market risk. SWP from a debt/hybrid fund is more stable. FD gives guaranteed returns but erodes purchasing power due to inflation over 15–20 years.
How long will my corpus last with SWP? ⌄
If your monthly withdrawal rate exceeds the monthly returns generated by the corpus, it will gradually deplete. This calculator shows you the year-by-year balance so you can see exactly when (or if) the corpus runs out.
Is SWP taxable? ⌄
Each SWP withdrawal is treated as a redemption. For equity funds: STCG (15%) if held less than 1 year, LTCG at 12.5% above ₹1.25 lakh if held more than 1 year. For debt funds: taxed as per your income slab.
What is a safe withdrawal rate for India? ⌄
A commonly cited safe withdrawal rate for India is 3–4% of corpus per year. For a ₹1 crore corpus at 12% expected return, a monthly SWP of ₹30,000–₹40,000 (3.6–4.8% annually) is considered sustainable over 20–25 years.