SWP Calculator

Calculate how long your investment corpus will last with systematic withdrawals. Toggle inflation to see the impact of rising expenses on your retirement plan.

₹
₹
%
Yrs
Total Withdrawn
Remaining Corpus
Total Withdrawn

₹1.08 Cr

Remaining Corpus

₹7.49 Cr

Duration

30 Years

Corpus Over Time

₹0₹2.1Cr₹4.1Cr₹6.2Cr₹8.2Cr1Y6Y11Y16Y21Y26Y30Y
Corpus Remaining

How SWP Works

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund corpus at regular intervals while the remaining amount continues to earn returns.

The Inflation Reality

If you withdraw a fixed ₹30,000/month today, in 10 years that same amount will only buy what ₹16,700 buys today (at 6% inflation). To maintain your lifestyle, withdrawals must increase yearly — which depletes your corpus faster.

Planning Your Retirement

  • Toggle "Inflation-adjusted Withdrawals" to see the real picture
  • The difference between fixed and inflation-adjusted withdrawal duration is often 10-15 years
  • This is why retirement planning requires a larger corpus than most assume

How to Use This Calculator

  1. Enter your total investment corpus (the amount you've accumulated)
  2. Set your desired monthly withdrawal amount
  3. Choose expected return rate on remaining corpus (8-10% for balanced funds)
  4. Set the time period you want to plan for
  5. Enable inflation-adjusted withdrawals to see the realistic scenario

Key Insight: The Withdrawal Rate Matters

If your annual withdrawal rate (monthly × 12 / corpus) exceeds your returns, your corpus will deplete. A sustainable withdrawal rate for Indian investors is typically 3.5-5% of corpus per year, depending on your fund's expected returns and inflation.

What is SWP (Systematic Withdrawal Plan)?
SWP is a facility offered by mutual funds that allows you to withdraw a fixed amount at regular intervals (monthly, quarterly) from your invested corpus. The remaining amount continues to earn returns, making it ideal for retirement income.
How does SWP work in mutual funds?
When you set up an SWP, the fund house redeems units worth your withdrawal amount each month. For example, if you have ₹50 lakhs invested and withdraw ₹30,000/month, the fund sells units worth ₹30,000 while the rest stays invested and grows.
Why does inflation matter for SWP?
If you withdraw a fixed ₹30,000/month, in 10 years that amount will only buy what ₹16,700 buys today (at 6% inflation). To maintain your lifestyle, you need to increase withdrawals each year — which depletes your corpus faster. Toggle inflation in our calculator to see this impact.
How much corpus do I need for ₹50,000/month withdrawal?
At 8% annual returns with 6% inflation-adjusted withdrawals, you need approximately ₹1.5 crore corpus to sustain ₹50,000/month for 25 years. Without inflation adjustment, ₹75-80 lakhs may suffice for the same duration.
Is SWP better than FD interest for retirement?
SWP from equity/hybrid funds typically offers better post-tax returns than FD interest. FD interest is taxed at your slab rate, while SWP gains on equity (held >1 year) get LTCG benefits. However, SWP carries market risk while FD is guaranteed.
What is the 4% rule for retirement?
The 4% rule (from the Trinity Study) suggests you can withdraw 4% of your initial corpus annually, adjusted for inflation, and your money should last 30 years. In Indian context with higher inflation, 3-3.5% is more conservative. Use our calculator to test your specific scenario.
Can my corpus increase even with SWP?
Yes! If your fund returns exceed your withdrawal rate, your corpus grows. For example, ₹50L corpus with 12% returns and ₹25,000/month withdrawal (6% rate) means your corpus actually grows over time. Our chart shows this clearly.
What is the tax on SWP withdrawals?
Each SWP withdrawal is a partial redemption. For equity funds held >1 year, gains up to ₹1.25 lakh/year are tax-free. Above that, 12.5% LTCG + 4% cess applies. For debt funds, gains are taxed at your income tax slab rate regardless of holding period.

Related Calculators

SIP Calculator

Build your corpus with monthly SIP

 Lumpsum vs SIP

Compare both strategies head-to-head