Free Investment Tool

SWP Calculator

Calculate how long your mutual fund corpus will last with monthly SWP withdrawals — factoring in expected returns. Free tool for Indian investors.

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Parameters
₹1L₹1Cr
₹1K₹2L
1%20%
1 Yr40 Yrs
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Projection
Final Balance
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Total Withdrawn
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Interest Earned
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Corpus Lasts
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Balance Withdrawn Earned
Corpus Sustainability —
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What is a Systematic Withdrawal Plan?

A Systematic Withdrawal Plan (SWP) is a facility offered by mutual funds that allows investors to withdraw a fixed amount at regular intervals — typically monthly — from their existing investment corpus. It is the reverse of a SIP (Systematic Investment Plan).

SWP is most commonly used by retirees and pre-retirees who want a steady monthly income from their accumulated savings. While you withdraw a fixed sum, the remaining corpus continues to stay invested and earn market-linked returns, which can extend the life of your corpus significantly compared to keeping money in a savings account.

For example, if you have a corpus of ₹50 lakh invested in a mutual fund earning 10% annually, and you withdraw ₹30,000 per month, the corpus can potentially last over 40 years — because your monthly interest income (~₹41,667) exceeds what you withdraw.

How to Use This SWP Calculator

Follow these four simple steps to calculate your SWP projections:

01

Enter Corpus

Set your total lump sum investment amount — the starting corpus from which you'll make withdrawals.

02

Set Withdrawal

Choose your desired monthly withdrawal amount. This is the income you want every month from your investment.

03

Expected Return

Enter the expected annual return rate from your mutual fund. Equity funds average 10–12%; hybrid funds 7–9%.

04

View Projection

The calculator instantly shows your final balance, total withdrawn, interest earned, and how long your corpus lasts.

Frequently Asked Questions

SWP from equity or hybrid mutual funds can offer significantly higher post-tax returns compared to Fixed Deposits. FD interest is taxed at your income slab rate (up to 30%), whereas long-term capital gains from equity mutual funds are taxed at just 10% above ₹1 lakh per year. However, SWP returns are market-linked and not guaranteed, unlike FD which offers fixed assured returns.
With ₹1 crore corpus at 8% annual return: withdrawing ₹50,000/month → lasts ~30 years; ₹70,000/month → lasts ~17 years; ₹83,000/month → indefinitely (since monthly interest ≈ ₹66,667 at 8%). Use the calculator above to fine-tune based on your exact numbers.
A commonly recommended safe withdrawal rate is 3–4% of your corpus per year (based on the global "4% rule"). For an Indian context with higher average equity returns (10–12%), a 5–6% annual withdrawal rate can be sustainable. For a ₹1 crore corpus, that's ₹41,000–₹50,000 per month.
This calculator uses a fixed monthly withdrawal and a fixed annual return rate. It does not automatically adjust for inflation. To factor in inflation, use your real return rate: if your fund returns 10% and inflation is 6%, enter 4% as the expected return. Alternatively, plan to increase your withdrawal amount every few years to keep pace with inflation.
Dividends from mutual funds (now called "Income Distribution cum Capital Withdrawal" or IDCW) are declared at the fund's discretion and are not guaranteed — you cannot predict the amount or frequency. SWP, on the other hand, lets you withdraw a fixed, pre-defined amount on a set schedule regardless of market conditions, making it far more reliable for monthly income planning.
If your monthly withdrawal exceeds the returns being generated on your corpus, the balance will gradually deplete until it reaches zero. After depletion, no further withdrawals are possible. This is why it is critical to use this calculator to ensure your withdrawal amount is sustainable for your intended time horizon before starting an SWP.
For SWP, most financial advisors recommend balanced advantage funds or aggressive hybrid funds (e.g., HDFC Balanced Advantage, ICICI Pru Balanced Advantage) for moderate risk, or large-cap / flexi-cap equity funds for higher long-term returns with higher volatility. Debt funds offer stability but lower returns. The best choice depends on your risk tolerance, time horizon, and withdrawal amount. Consult a SEBI-registered financial advisor for personalised guidance.