SWP (Systematic Withdrawal Plan) Calculator
Estimate withdrawals and corpus runway for retirement in India.
Use this free SWP calculator to test corpus size, withdrawal amount, return, and tax assumptions. See how long your money may last after retirement and what balance may remain over time.
Set your SWP plan
Blend withdrawal assumptions with return, inflation, and tax drag.
Withdrawal parameters
Withdrawal Plan
Withdrawal frequency
Monthly suits income replacement, while quarterly or yearly withdrawals can reduce redemption frequency.
1 month to 40 years
Returns & Inflation
Withdrawal Style & Tax
Withdrawal style
Keep withdrawals fixed or increase them annually.
Tax assumption
Apply a flat tax drag to each withdrawal for quick scenario testing.
Results summary
Estimated duration your corpus can support withdrawals
80+ years
With ₹75,00,000 invested, withdrawing ₹50,000 monthly, the plan can distribute about ₹1,20,00,000 over 20 Years and still leave ₹1,00,90,495 at the end of the selected horizon.
Total withdrawals received
₹1,20,00,000
≈ 1.20 Cr
Final corpus
₹1,00,90,495
≈ 1.01 Cr
Inflation-adjusted corpus
₹38,03,002
≈ 38.03 L
Remaining principal
₹18,00,456
≈ 18.00 L
Remaining gains
₹82,90,039
≈ 82.90 L
Withdrawal cadence
Monthly
Corpus Projection
Overview
What is a SWP Calculator? How It Works in India
A SWP calculator estimates how a Systematic Withdrawal Plan affects an existing investment corpus over time. It is especially useful for retirement income planning in India, where the goal is to draw regular cash from a mutual fund corpus without exhausting it too quickly.
Key Features of This Calculator
Projects remaining corpus after regular withdrawals.
Shows whether the payout plan looks sustainable.
Useful for retirement and passive-income planning.
Supports comparison across return and withdrawal assumptions.
How it works
SWP formula explained
A Systematic Withdrawal Plan works by letting the corpus grow for the period and then deducting the chosen payout. Repeating this cycle across months helps you estimate whether the corpus can support regular income without depleting too quickly.
Opening corpus
C
Starting balance
Growth factor
(1 + r)
Return for the period
Withdrawal
W
Cash taken out
Closing corpus
C1
Balance after payout
C - Opening corpus
This is the investment value available at the start of the month or withdrawal period. It includes the original capital plus any gains that have accumulated so far.
(1 + r) - Return factor
The corpus is first grown by the assumed rate of return for that period. In this calculator, the annual return input is converted into a periodic growth rate before each withdrawal is applied.
W - Withdrawal amount
This is the cash withdrawn from the corpus on the selected schedule. If you enable annual step-up, the withdrawal amount rises over time to reflect growing income needs.
C1 - Closing corpus
The remaining balance becomes the next period's opening corpus. This repeats across the full timeline, which is why even a small change in return or withdrawal rate can materially affect how long the corpus lasts.
Planning notes
- Higher withdrawals reduce the balance available for future compounding.
- Inflation-adjusted viewing helps compare the remaining corpus in today's purchasing power.
- Tax assumptions and step-up withdrawals can shorten the corpus runway materially.
Quick guide
SWP Example: ₹50 Lakh Corpus with ₹30,000/month Withdrawal
If you begin with ₹50 lakh, assume an 8% annual return, and withdraw ₹30,000 per month, the corpus first grows for the month and then the withdrawal is deducted. This gives you a simple way to understand how the SWP cycle affects the remaining balance over 20+ years.
Worked example
Opening corpus
Rs. 50,00,000
Annual return
8%
Monthly withdrawal
Rs. 30,000
Closing corpus
Rs. 50,03,333
First-month calculation
Monthly rate = 8% / 12 = 0.006667
Closing Balance = (50,00,000 x 1.006667) - 30,000
Closing Balance = 50,33,333 - 30,000
Closing Balance = Rs. 50,03,333
SWP is often used for retirement income. A periodic review helps ensure withdrawals remain aligned with market conditions and household needs.
Tax information
Tax information
SWP withdrawals may include capital gains, and the tax treatment depends on the underlying product and holding period. The tax toggle here is a simplified planning view, not a filing-ready computation.
Withdrawal rate, inflation, and return assumptions are critical. A withdrawal plan can look safe in nominal terms but weaken quickly once inflation is considered.
Calculator education
How SWP withdrawal planning is modelled
This calculator estimates how long a corpus may last when you withdraw a fixed amount at regular intervals while the remaining balance continues to earn returns.
1. Start with the corpus and withdrawal amount
Enter the current balance, expected annual return, and how much you want to withdraw periodically.
2. Reduce balance after each payout
The model compounds the remaining corpus and deducts withdrawals based on the selected schedule.
3. Estimate runway and residual value
The output helps you see whether the withdrawal plan is sustainable and how much corpus may remain over time.
Tax Information
Tax information
SWP withdrawals may include capital gains, and the tax treatment depends on the underlying product and holding period. The tax toggle here is a simplified planning view, not a filing-ready computation.
Key Drivers
What affects the estimate
Withdrawal rate, inflation, and return assumptions are critical. A withdrawal plan can look safe in nominal terms but weaken quickly once inflation is considered.
Planning Note
Good to know
SWP is often used for retirement income. A periodic review helps ensure withdrawals remain aligned with market conditions and household needs.
Use cases
SWP Scenarios: Retirement Income, Pension & Corpus Runway
SWP calculations are most useful when a corpus already exists — from SIP maturity, NPS, EPF, or an inheritance — and income planning becomes the main decision.
Retirement Income: ₹1 Crore Corpus at Age 60
With ₹1 crore invested at 8% return, a ₹50,000/month SWP could sustain withdrawals for roughly 30+ years. Adjusting the withdrawal rate or expected return changes the runway significantly.
Supplementing Pension with SWP
If your pension covers ₹30,000/month but expenses are ₹50,000, a SWP of ₹20,000/month from a ₹40 lakh corpus at 8% could bridge the gap for about 25 years.
Testing Withdrawal Safety Rate
The commonly referenced 4% withdrawal rule (about ₹33,000/month from ₹1 crore) may need adjustment for Indian inflation at 5–6%. Test different payout levels to find your safe withdrawal rate.
FAQ
Frequently Asked SWP Calculator How It Works in India Questions
These FAQs explain withdrawal sustainability, payout rates, and when SWP plans should be reviewed.
A Systematic Withdrawal Plan lets you redeem a fixed amount from an invested corpus at regular intervals. It is commonly used to create cash flow from mutual fund investments while the remaining balance stays invested.
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