SWP Calculator
Plan systematic withdrawals from a lumpsum. See how long your corpus will last and the final balance.
Withdrawal plan
Year-by-year balance
Frequently asked questions
What is a Systematic Withdrawal Plan (SWP)?
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SWP is the reverse of SIP. You park a lump sum in a mutual fund and withdraw a fixed amount every month while the balance keeps earning returns. Most popular way for retirees to draw regular income from investments.
How does SWP tax work?
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Each withdrawal is a partial redemption. Gains are taxed per the fund's capital-gains rules — equity LTCG at 12.5% above ₹1.25L/year, STCG at 20%. Debt funds (post-Apr 2023) are taxed at slab rate.
What withdrawal rate is safe?
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The 4% rule — withdraw 4% of corpus annually, inflation-adjusted — typically lasts 25–30 years. In India, planners often suggest 4–6% depending on asset mix and life expectancy.
Does SWP affect compounding?
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Yes. Every withdrawal reduces the base that earns returns. The calculator models this month-by-month: balance grows at the expected return, then the withdrawal is subtracted.
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