SWP Calculator
Set your corpus, monthly withdrawal and expected return — see how long it lasts, and what's left.
Your withdrawal plan
Who typically uses an SWP?
Retirees and anyone drawing a regular income from a lump investment — turning a retirement corpus into something that behaves like a monthly paycheque, while what's left keeps a chance to grow, unlike cash sitting idle.
Reading the warning banner
If your inputs would exhaust the corpus before your target duration, the result panel tells you the approximate year that happens. That's your cue to lower the monthly withdrawal, extend the corpus with a larger starting amount, or accept a shorter payout period — the calculator won't do that trade-off for you, but it makes the trade-off visible.
Frequently asked questions
What is an SWP?+
A Systematic Withdrawal Plan is the reverse of a SIP — instead of adding a fixed amount every month, you withdraw one, typically from a mutual fund corpus, while the remaining balance stays invested and keeps growing (or shrinking) at the market's return.
Why did my corpus run out even though the return rate looked reasonable?+
Because withdrawals compound against you the same way contributions compound for you — if your withdrawal rate outpaces what the remaining balance earns, the shortfall gets withdrawn from principal every month, which shrinks the base that future growth is calculated on. Small gaps between withdrawal rate and return rate can take years to show up, then deplete the corpus quickly once they do.
What withdrawal rate is considered safe?+
There's no single safe number — it depends on your corpus size, expected returns, inflation, and how long the money needs to last. As a very rough starting point, many retirement planners discuss withdrawal rates in the 4–6% of corpus per year range, but this calculator lets you test your own numbers rather than rely on a rule of thumb.
Does this account for taxes on withdrawals?+
No — the figures are pre-tax. Mutual fund withdrawals in India are typically taxed as capital gains, and the exact treatment depends on the fund type and holding period, so your actual take-home amount will be lower than the withdrawn figure shown here.