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💰 Systematic Withdrawal Plan (SWP) Calculator 2026

Plan your retirement income - see how much you can withdraw monthly and how long your corpus will last.

Regular Income Capital Preservation Customizable Tenure Inflation Adjusted

Regular Income

Monthly Payouts

Capital Preservation

Remaining Invested

Withdrawal Period

Customizable Tenure

📊 SWP Details

₹

Range: ₹1L - ₹1Cr

₹
%

Withdrawal Period

30 Years

0 months

Total Withdrawals

₹ 0

over the period

Final Remaining Corpus

₹ 0

after withdrawals

Total Interest Earned

₹ 0

during withdrawal phase

Withdrawal Rate

6.0%

of initial investment

Initial Investment₹ 0
Total Interest₹ 0
Total Withdrawals₹ 0
Monthly Withdrawal₹ 25,000
Last Month Withdrawal₹ 25,000

Yearly Withdrawal Schedule

60 60

SWP Advisory

With 6% withdrawal rate, your corpus is likely to last 30+ years. Consider 4% rule for longer sustainability.

📚 What is Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments at regular intervals (monthly, quarterly, annually). It's popular among retirees who want regular income while their remaining corpus continues to earn returns.

How SWP Works

  • You invest a lump sum amount
  • Choose withdrawal amount & frequency
  • Remaining corpus stays invested
  • Withdrawals come from gains + capital

SWP vs Other Options

  • vs Pension: More flexible, corpus stays yours
  • vs FD: Potential for higher returns
  • vs Annuity: Can leave inheritance

🔢 SWP Calculation Example

YearYearly WithdrawalCorpus (Start)Corpus (End)Interest Earned
ParameterValue
Initial Investment₹50,00,000
Monthly Withdrawal₹25,000
Annual Return10%
Withdrawal Period30+ Years
Total Withdrawals₹90,00,000+
Final Corpus₹12,00,000+

❓ SWP FAQs

What is a safe withdrawal rate?

The famous 4% rule suggests you can withdraw 4% of your initial corpus annually (adjusted for inflation) and have your money last 30 years. For Indian conditions, 3-4% is considered safe. Higher rates (6%+) may work if returns are good, but carry risk of corpus depletion.

How is SWP taxed?

SWP withdrawals are subject to capital gains tax. For equity funds: LTCG (>1 year) 10% above ₹1 Lakh. For debt funds: LTCG (>3 years) 20% with indexation. The withdrawal amount is considered as redemption of units, not as income.

Can I run out of money in SWP?

Yes, if withdrawal rate exceeds returns consistently. If you withdraw 8% when returns are 6%, your corpus will deplete. That's why choosing sustainable withdrawal rate is crucial. Our calculator helps you find the right balance.

⚠️ Disclaimer: This calculator provides estimates. Actual SWP returns depend on market conditions and fund performance. Consult your financial advisor.