SWP Calculator
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Quick Summary
- Plan monthly withdrawals from your mutual fund corpus without running out of money. See year-by-year balance and payout sustainability. Free SWP tool.
- For example, ₹50 lakh corpus, ₹30,000/month withdrawal, 8% return works out to Withdrawal rate below return rate — corpus can last indefinitely.
- Built for retirees and anyone drawing a regular monthly income from an existing mutual fund corpus
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SWP Details
Corpus Lasts For
Total Corpus
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Total Withdrawn
₹0
Interest Earned
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How the SWP Calculator Works
You specify your invested corpus, a fixed withdrawal amount per interval, and an expected return rate. Each period, the withdrawal is deducted and the remaining balance continues to earn returns — the calculator projects month by month whether your corpus grows, holds steady, or depletes, and if so, when.
Example Scenarios
| Scenario | Result |
|---|---|
| ₹50 lakh corpus, ₹30,000/month withdrawal, 8% return | Withdrawal rate below return rate — corpus can last indefinitely |
| ₹20 lakh corpus, ₹25,000/month withdrawal, 7% return | Withdrawal rate exceeds return — corpus depletes in a calculable number of years |
| ₹1 crore corpus, ₹50,000/month withdrawal, 9% return | Sustainable monthly income with corpus intact |
* Illustrative estimates assuming constant annual returns. Actual results vary with market conditions.
Frequently Asked Questions
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund corpus at regular intervals (usually monthly), while the remaining amount stays invested and continues to earn returns — commonly used to generate regular income in retirement.
It depends on your withdrawal amount versus the fund's return rate. If your annual withdrawal rate is lower than the expected return rate, the corpus can theoretically last indefinitely; if withdrawals exceed returns, the corpus depletes over a calculable number of years.
Often yes — SWP withdrawals from equity funds are taxed as capital gains only on the gain portion of each withdrawal (LTCG after 1 year), whereas FD interest is fully taxable at your income slab rate every year, making SWP more tax-efficient for many retirees.
Common Mistakes to Avoid
- Setting a withdrawal rate higher than the fund's expected return, which silently depletes the corpus faster than expected.
- Not accounting for capital gains tax on each withdrawal when planning post-tax income.
- Ignoring market volatility — a bad sequence of early negative returns can shrink the corpus more than average-return math suggests.
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* Calculations assume constant annual returns. Actual mutual fund returns vary. Past performance is not indicative of future results. FD comparison uses 7% p.a. SIP returns are compounded monthly.
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