SWP Calculator
Systematic Withdrawal Plan (SWP) Calculator
Plan your retirement income. SWP lets you withdraw a fixed monthly amount from your mutual fund corpus while the balance keeps earning. See how long your corpus will last — or how much monthly withdrawal a target corpus can sustain.
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debt-heavy: 7–9%
% p.a.
years
Methodology. Each month: balance grows at monthly rate (annual/12), then monthly withdrawal subtracted. If balance hits zero, corpus is exhausted. SWP is tax-efficient — withdrawals are treated as redemptions; equity LTCG above ₹1.25L/year taxed at 12.5%, debt at slab. Target safe withdrawal rate: 4–5% of corpus annually for sustainability across 25–30 year retirements.