SWP Calculator
Monthly withdrawals from a mutual fund corpus.
Optional
Use your inflation estimate to keep income steady in real terms.
Your result
—
Enter your numbers to see the result.
This SWP calculator shows how a Systematic Withdrawal Plan works on your mutual fund corpus. Enter the corpus, the monthly amount you want to withdraw, the expected return and the period. It shows the balance left at the end, the total withdrawn, how long the money lasts, and the highest monthly withdrawal your corpus can support for that period.
What is a SWP Calculator?
A Systematic Withdrawal Plan (SWP) lets you take out a fixed amount from a mutual fund at regular intervals, usually every month. The fund house sells just enough units each time to pay you, and the rest of your money stays invested and keeps earning returns.
An SWP is popular with retirees who want a regular income from their savings. An SWP calculator helps you see whether a chosen withdrawal is sustainable: will your corpus last for the period you need, or run out early?
How does the SWP Calculator work?
The calculator takes your withdrawal at the start of each month, then grows what is left at the monthly return. If you choose a yearly increase, the withdrawal amount rises once a year.
It tracks the balance month by month and stops if the money runs out. It also calculates the highest flat monthly withdrawal that would use up the corpus exactly at the end of the period.
How to use the SWP Calculator step by step
- Enter your corpus, the amount invested.
- Enter the monthly withdrawal you want.
- Enter a realistic expected return; 7–9% for balanced or debt funds.
- Choose the withdrawal period.
- Optionally set a yearly increase to keep up with inflation.
- Check the balance left, how long the money lasts and the yearly table.
SWP Calculator example with real numbers
You retire with ₹50 lakh in a balanced or debt-oriented fund, want ₹30,000 a month, and assume an 8% yearly return for 20 years.
| Example input | Value |
|---|---|
| Total investment (corpus) | ₹50,00,000 |
| Monthly withdrawal | ₹30,000 |
| Expected annual return | 8% |
| Withdrawal period | 20 years |
| Raise withdrawal every year by (optional) | 0% |
| Example output | Value |
|---|---|
| Balance left after 20 years | ₹68,45,597 |
| Total withdrawn | ₹72,00,000 |
| Money lasts | Whole period |
| Monthly withdrawal in final year | ₹30,000 |
| Most you can withdraw (flat) for 20 years | ₹41,545 |
The SWP calculator shows you would withdraw ₹72,00,000 over 20 years and still have about ₹68,45,597 left. The highest flat monthly withdrawal that would use up the corpus in exactly 20 years is ₹41,545. If you raise withdrawals with inflation, the corpus will run down faster, so test that too.
Key features of this SWP Calculator
- Balance left or the month the corpus runs out
- Maximum sustainable flat withdrawal
- Optional yearly increase in withdrawals
- Year-by-year withdrawals and balance
- CSV download
Who should use the SWP Calculator?
Who is this SWP Calculator for?
- Retirees planning a monthly income
- People near retirement testing their corpus
- Investors using funds to pay for a child’s college costs
- Advisers comparing SWP with annuities and FDs
Practical use cases
- Checking whether ₹50 lakh can pay ₹30,000 a month for 20 years
- Finding the safe monthly income from a corpus
- Testing the effect of raising withdrawals with inflation
- Comparing SWP income with FD interest
Key benefits
- Peace of mind: know how long your money will last.
- Tax-efficient income: only the gain part of each withdrawal is taxed.
- Flexible: change, pause or stop the SWP any time.
- Inflation-aware: plan for rising expenses.
Tips for better results
- Keep 1–2 years of withdrawals in a liquid or short-duration fund to avoid selling equity in a crash.
- Withdraw less than the expected return if you want the corpus to last indefinitely.
- Raise withdrawals with inflation, but test that the corpus still lasts.
- Review once a year and adjust if returns were lower than expected.
Common mistakes to avoid
- Assuming a high, steady return in retirement.
- Withdrawing from a pure equity fund without a cash buffer.
- Ignoring inflation over a 20–30 year retirement.
- Starting an SWP before the exit-load period ends.
Limitations of this SWP Calculator
- It assumes a constant return; real returns vary, and a bad early year hurts more (sequence risk).
- It does not deduct tax on gains or exit loads.
- Withdrawals are assumed at the start of each month.
SWP Calculator vs other ways to calculate
| Option | Income | Capital | Tax |
|---|---|---|---|
| SWP from a mutual fund | Flexible, you choose | Stays invested | Only gains taxed |
| FD with monthly interest | Fixed | Safe, but loses to inflation | Full interest taxed at slab |
| Annuity | Fixed for life | Usually not returned | Annuity taxed at slab |
| SCSS / POMIS | Fixed | Government-backed | Interest taxed at slab |
For government-backed income, compare with the SCSS calculator and Post Office MIS calculator. To plan the corpus you need before retirement, use the retirement calculator.
Privacy and data handling
This SWP Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
SWP Calculator FAQs
What is SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund at regular intervals while the rest stays invested.
How much monthly income can ₹50 lakh give through SWP?
At an assumed 8% return, about ₹41,500 a month would use up ₹50 lakh in exactly 20 years. A lower amount, like ₹30,000, leaves money at the end.
How is SWP taxed?
Each withdrawal is treated as a sale of units. Only the gain part is taxed. For equity funds, LTCG above ₹1.25 lakh a year is taxed at 12.5% after 12 months; for most debt funds bought after April 2023, gains are taxed at your slab rate.
Is SWP better than FD for monthly income?
SWP can be more tax-efficient and may earn more, but returns are not guaranteed. FDs give fixed income but full interest is taxed every year.
How long will my corpus last?
It depends on the withdrawal, the return and any yearly increase. Enter your numbers above; the calculator shows the exact month if the money runs out.
Can I change or stop an SWP?
Yes. You can change the amount, pause or stop an SWP by giving instructions to the fund house or platform.
Related tools
Sources and references
We checked the method and the current figures used in this SWP Calculator against these official and primary sources:
- AMFI: Association of Mutual Funds in India
- Mutual Funds Sahi Hai: AMFI investor education
- SEBI Investor Website
- Income Tax Department of India
Written and reviewed by the Qorico Team
