SWP Calculator
₹30 lakh SWP at ₹20,000/month
Withdrawing ₹20,000 every month from a ₹30 lakh corpus that keeps earning 8%, your money lasts the full 30 years (and beyond), and still has about ₹30,00,000 left after 30 years (₹72,00,000 already withdrawn).
₹
₹
%
yr
Balance after 30 years
₹30,00,000
Total withdrawn
₹72,00,000
Lasted
30y 0m
Corpus lasts the full period with a balance remaining.
Balance over time
Balance
This assumes a steady 8% return. In reality returns swing year to year, and a bad run early on (sequence risk) can drain the corpus faster than this steady-rate estimate — keep a buffer and revisit it yearly.
₹30 lakh SWP — common questions
How long will ₹30 lakh last at ₹20,000/month?
It comfortably outlasts 30 years at 8% — about ₹30L is still left, because ₹20,000/month stays within what the corpus earns. Adjust the withdrawal or return above to see the exact runway.
What monthly withdrawal is safe from ₹30 lakh?
A rough rule is to withdraw no more than the corpus earns (around 8% a year) so it never depletes. Above that, you're eating into capital — the calculator shows exactly when it would run out.
Is SWP income taxable?
Only the gains portion of each withdrawal is taxed as capital gains — not the whole amount — which usually makes an SWP more tax-efficient than an FD paying the same monthly income.
Educational estimate, not investment advice. Returns are not guaranteed; figures ignore taxes and fund expenses.