SWP Calculator
A systematic withdrawal plan turns a lump sum into a monthly income. This shows how long your money lasts, what remains at the end, and the withdrawal rate your corpus can sustain forever.
Total withdrawn
₹72,00,000
Balance left
₹1,00,09,152
Safe monthly withdrawal
₹37,500
keeps the capital intact
After 20 years of withdrawals you would still hold ₹1,00,09,152.
Withdrawals are taken at the end of each month, after that month of growth. Capital gains tax on each redemption is not deducted.
Frequently Asked Questions
How does an SWP work?
You invest a lump sum in a mutual fund and instruct the fund house to redeem a fixed amount every month into your bank account. The rest stays invested and keeps growing, so the corpus depletes far more slowly than simply spending the cash.
How much can I withdraw safely?
As a rule of thumb, withdrawing no more than the portfolio's return keeps the capital intact. The calculator shows this figure — anything above it eats into your principal, which may still be fine if the money only has to last a fixed number of years.
Is SWP better than a fixed deposit for monthly income?
Usually yes on tax. Each SWP payout is a partial redemption, so only the gain portion is taxed, whereas the entire FD interest is taxable. SWP returns are not guaranteed though, and a bad market run early can shorten how long the corpus lasts.
Does the calculator account for tax?
No — it shows gross withdrawals. Capital gains tax applies to the gain portion of each redemption, so your actual in-hand amount will be slightly lower.