SWP Calculator
See how long your mutual fund corpus lasts with a fixed monthly withdrawal, and what is left at the end.
How an SWP works
A Systematic Withdrawal Plan redeems a fixed amount from your mutual fund every month while the rest stays invested. This calculator grows the balance each month at the monthly rate and then subtracts your withdrawal.
Is your withdrawal rate sustainable?
If the monthly withdrawal is more than the monthly return on the corpus, the balance falls over time. With ₹50 lakh at 8%, a ₹30,000 monthly withdrawal still leaves about ₹70 lakh after 20 years, while ₹45,000 a month exhausts the corpus in about 17 years. Many planners suggest starting near 4% of the corpus a year for retirement, and adjusting for inflation.
Not modelled
- Capital gains tax on each redemption.
- Inflation-linked increases in your withdrawal.
- Market volatility; real returns arrive unevenly, which hurts withdrawal plans.
Frequently asked questions
Is SWP better than a dividend plan?
SWP gives you control over the amount and timing. Taxation differs, so check current rules for your fund category.
Does SWP guarantee income?
No. If returns are poor, the corpus can run out sooner than shown.
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Last reviewed: October 2026. Results are estimates, not financial advice.