How do I use the SWP calculator?

1. Enter your starting corpus: Add the amount already available for withdrawals. This may be a mutual fund portfolio, retirement corpus, or any invested pool you plan to draw from. 2. Set the monthly withdrawal: Enter the fixed amount you want to withdraw each month for expenses or planned cashflow needs. 3. Choose the expected return: Enter the annual return assumption for the remaining invested corpus. Use a conservative return that reflects the actual asset mix. 4. Select the duration: Choose how many years you want to test. The calculator will show whether the corpus survives the full period or gets exhausted earlier. 5. Review sustainability: Check total withdrawn, returns earned, remaining balance, and the year-by-year balance path before finalizing a withdrawal plan.

A Systematic Withdrawal Plan lets you withdraw a fixed amount periodically while the remaining corpus stays invested and continues to earn returns.

How is SWP different from living on FD interest?

SWP can combine market-linked growth with periodic cashflow and tax efficiency in many cases, while FD interest is fully taxable each year and may not beat inflation.

Does this calculator guarantee outcomes?

No. It uses a constant expected return assumption for planning. Real returns vary year to year, so use this as a scenario tool, not a guarantee.

How is SWP taxed in India?

SWP redemptions are generally taxed as capital gains depending on asset class and holding period, not as fixed interest. Consult a tax advisor for your exact case.

What is a sustainable withdrawal rate?

Many investors start in the 3% to 5% annual withdrawal range and then validate against expected return, inflation, and time horizon.

Tools/

SWP Calculator

Plan monthly withdrawals while keeping your corpus invested.

Total Corpus

₹1,00,000₹50,00,00,000

Monthly Withdrawal

₹1,000₹10,00,000

Expected Return Rate

1%20%

Duration

1 Yr40 Yrs

Remaining Corpus

₹99.1 L

After 20 years

Total Withdrawn

₹60 L

Total Returns Earned

₹1.09 Cr

Final Balance

₹99.1 L

Corpus Trend chart

Year-wise SWP Breakdown

Year	Cumulative Withdrawn	Cumulative Returns	Balance
1	₹3,00,000	₹4,03,749	₹51,03,749
2	₹6,00,000	₹8,16,110	₹52,16,110
3	₹9,00,000	₹12,37,796	₹53,37,796
4	₹12,00,000	₹16,69,583	₹54,69,583
5	₹15,00,000	₹21,12,307	₹56,12,307
6	₹18,00,000	₹25,66,878	₹57,66,878
7	₹21,00,000	₹30,34,278	₹59,34,278
8	₹24,00,000	₹35,15,572	₹61,15,572
9	₹27,00,000	₹40,11,913	₹63,11,913
10	₹30,00,000	₹45,24,550	₹65,24,550
11	₹33,00,000	₹50,54,837	₹67,54,837
12	₹36,00,000	₹56,04,237	₹70,04,237
13	₹39,00,000	₹61,74,337	₹72,74,337
14	₹42,00,000	₹67,66,855	₹75,66,855
15	₹45,00,000	₹73,83,652	₹78,83,652
16	₹48,00,000	₹80,26,743	₹82,26,743
17	₹51,00,000	₹86,98,310	₹85,98,310
18	₹54,00,000	₹94,00,718	₹90,00,718
19	₹57,00,000	₹1,01,36,525	₹94,36,525
20	₹60,00,000	₹1,09,08,503	₹99,08,503

About the SWP calculator

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from an invested corpus at regular intervals, usually monthly. This calculator models how long the corpus may last and what balance may remain after withdrawals and assumed returns.

Use it when planning retirement cashflow, early retirement income, or a bridge period before pension, annuity, rent, or other income begins. It is most useful when you already have a corpus and want to test different withdrawal amounts against expected returns.

The projection is a deterministic scenario. Real portfolio returns do not arrive smoothly every month, and the order of returns can materially affect how long the corpus lasts, especially when withdrawals begin during a market decline.

Frequently Asked Questions

Enter your starting corpus
Add the amount already available for withdrawals. This may be a mutual fund portfolio, retirement corpus, or any invested pool you plan to draw from.
Set the monthly withdrawal
Enter the fixed amount you want to withdraw each month for expenses or planned cashflow needs.
Choose the expected return
Enter the annual return assumption for the remaining invested corpus. Use a conservative return that reflects the actual asset mix.
Select the duration
Choose how many years you want to test. The calculator will show whether the corpus survives the full period or gets exhausted earlier.
Review sustainability
Check total withdrawn, returns earned, remaining balance, and the year-by-year balance path before finalizing a withdrawal plan.

Balance after each month = Balance × (1 + r) − W

Balance is the corpus remaining before the monthly withdrawal
r is the monthly return rate (annual return ÷ 12, as a decimal)
W is the fixed monthly withdrawal
The calculator stops withdrawals when the grown balance is exhausted

Returns earned are calculated as total withdrawals plus remaining balance minus the initial corpus.

Worked example

Suppose you start with a ₹50,00,000 corpus, withdraw ₹25,000 every month, assume an 8% annual return, and test the plan for 20 years.

Initial corpus: ₹50,00,000
Monthly withdrawal: ₹25,000
Expected return: 8% p.a.
Duration: 20 years (240 months)
Total withdrawn: ₹60,00,000
Total returns earned: ₹1,09,08,503
Remaining balance: ₹99,08,503

The corpus is not exhausted in this scenario. You withdraw ₹60,00,000 over 20 years and still have ₹99,08,503 remaining, because the assumed returns exceed the withdrawal drag.

Sequence of returns risk is central to SWP planning. A poor market phase early in retirement can hurt sustainability even if long-term average returns look acceptable.
SWP withdrawals from mutual funds are generally treated as redemptions, so taxation depends on asset class, holding period, and capital gains rules.
Inflation matters. A fixed ₹25,000 withdrawal may lose purchasing power over time unless the withdrawal plan is reviewed periodically.
Keep emergency liquidity outside the SWP corpus so you are not forced to redeem growth assets during market stress.
A sustainable withdrawal rate depends on asset allocation, retirement horizon, tax position, and whether you have other income sources.

Run the withdrawal against your real corpus

Finest shows the current value of every fund you hold, so a withdrawal plan starts from today's numbers, not an estimate.

Run this on your real corpus

SWP Calculator

Inputs

Results

Corpus Trend chart

About the SWP calculator

Frequently Asked Questions

Run the withdrawal against your real corpus

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