Drawing income
SWP calculator
How long a corpus lasts while you withdraw from it.
₹
₹
%
years
Left at the end
₹3,43,42,538
about ₹3.43 crore
29% of that is money you put in.
- Starting corpus
- ₹1,00,00,000
- Total withdrawn
- ₹1,80,00,000
- Remaining
- ₹3,43,42,538
This is arithmetic, not a forecast. The result applies numbers you chose. Real returns vary year to year, can be negative, and are never guaranteed. Unless stated otherwise the figure is before inflation and before tax.
How this calculation works
A systematic withdrawal plan calculator runs month by month. It removes your withdrawal, grows what is left at the assumed return, and repeats, so you can see whether the corpus survives the period.
What it leaves out
It assumes a steady return. In reality a poor run in the early years is far more damaging than the same run later, because withdrawals eat into a smaller balance. Two portfolios with identical average returns can end very differently.
Understanding the thing itself matters more than the number: Retirement investing.
Common questions
What is an SWP?
A systematic withdrawal plan is an instruction to redeem a fixed amount from a fund at regular intervals, most often monthly. It is the mirror of a SIP and is commonly used to draw an income in retirement.
How much can I safely withdraw?
A common guide is 3% to 4% of the corpus in the first year, rising with inflation. This calculator uses a fixed monthly amount, so try a few figures and see which ones survive the full period.
Is SWP taxed?
Yes. Each withdrawal is a redemption, so capital gains apply. For equity funds that is 12.5% above the Rs 1.25 lakh annual exemption if held over twelve months, and 20% under.