SWP Calculator
Enter corpus, monthly withdrawal and expected return — instantly find how many years the money lasts and the total withdrawn.
How to use — SWP Calculator
- Enter your total corpus — the amount invested.
- Enter how much you want to withdraw each month.
- Enter the expected return — balanced/hybrid funds ~8%, debt ~7%.
- Click Calculate — see how many years the corpus lasts.
FAQ
What is SWP?
Systematic Withdrawal Plan — withdrawing a fixed amount from a mutual fund each month. Popular for monthly income in retirement, because the remaining money stays invested and keeps growing.
How much should I withdraw so the corpus never runs out?
If the monthly withdrawal is less than or equal to the corpus's monthly return, the corpus never runs out. E.g. ₹50 lakh @ 8% = safe up to ~₹33,300/month. This calculator shows this too.
SWP vs FD interest — which is better?
SWP has equity/hybrid growth potential and tax efficiency (tax only on capital gains, not the whole withdrawal). An FD is guaranteed but its interest is fully taxable.
What is the 4% rule?
A retirement rule of thumb: withdraw 4% of the corpus per year and it lasts 30+ years. A ₹1 crore corpus = ₹4 lakh/year = ~₹33,000/month.