SWP Calculator
Systematic withdrawal planning
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter your corpus, the monthly amount you'll withdraw, the return, and the years.
Example₹10 lakh, ₹10k/month at 8% → lasts the full term with a balance left
Balance after 10 years
₹3,90,180
Total withdrawn
₹12,00,000
Lasted
10y 0m
Corpus lasts the full period with a balance remaining.
Balance over time
Popular SWP plans
An SWP works in reverse to a SIP: instead of adding money each month, you take it out, while the rest stays invested. Each month the balance grows by the return, then your withdrawal is deducted.
The key question is sustainability — if you withdraw faster than the corpus earns, it depletes. Lower the withdrawal or raise the corpus until the balance lasts your full horizon.
Simulates the corpus month by month: each month the balance grows at the assumed return (r/12), then the withdrawal is deducted — the same iterative method fund houses use for SWP illustrations. Returns are illustrative; sequence-of-returns risk is not modelled.
- A run of weak early returns can deplete the corpus faster than shown (sequence-of-returns risk).
- Ignores capital-gains tax on each withdrawal.
- What is an SWP?
- A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual-fund corpus at regular intervals (usually monthly), while the remaining balance stays invested and keeps earning returns. It's popular for retirement income.
- Will my corpus run out?
- It depends on the withdrawal amount vs the return. If your monthly withdrawal is larger than what the corpus earns, the balance shrinks and eventually hits zero — the calculator flags this and shows how long it lasts.
- How is SWP taxed?
- Each withdrawal is treated as a partial redemption — only the gain portion is taxed (as capital gains), not the whole withdrawal. This is more tax-efficient than a fixed deposit's fully-taxable interest.
- What return should I assume?
- For a balanced/hybrid fund used in retirement, 7–9% is a common assumption. Be conservative — sequence-of-returns risk matters when you're withdrawing.
Related guides
- How much do you need to retire in India? The real numberThere is a simple way to estimate the corpus, and most people badly underestimate it because they forget inflation. The rule, and the catch.
- SIP vs Lumpsum — discipline or timing?What history says about systematic investing versus one-shot deployments — and the rule that resolves the debate.
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