SWP Calculator India
Free SWP calculator: monthly payout, remaining corpus, tax and how long your money lasts. No login.
Year-by-year breakdown
| Year | Monthly payout | Withdrawn | Growth earned | Closing balance |
|---|
How this SWP calculator works
A Systematic Withdrawal Plan (SWP) takes a fixed amount from your mutual fund every month while the rest stays invested. This tool replays your plan month by month in your browser.
Corpus After Period shows what is left. How Long It Lasts shows how many years the money runs. Max Monthly Withdrawal finds the highest payout that ends at zero. Corpus Needed finds the lump sum for a target income. Add a yearly step-up for inflation and turn on a tax estimate.
SWP formula
Balance = Balance × (1 + r / 12) − Withdrawal
r is the yearly return as a decimal. It repeats monthly, and the withdrawal grows by your step-up each year. Corpus Needed works backwards from zero.
Tax on SWP used here
| Fund type | Holding | Tax on gain |
|---|---|---|
| Equity fund | 12 months or less | 20% |
| Equity fund | Over 12 months | 12.5% on yearly gains above Rs. 1,25,000 |
| Debt fund bought on or after 1 Apr 2023 | Any | Your slab rate |
Estimate only. No surcharge, cess or exit load. Each plan year is treated as a financial year. Confirm with a tax advisor.
SWP examples: 12% return, 5 years
| Corpus (Rs.) | Monthly withdrawal (Rs.) | Final value (Rs.) |
|---|---|---|
| 5,00,000 | 5,000 | 5,00,000 |
| 5,00,000 | 8,000 | 2,54,991 |
| 10,00,000 | 10,000 | 10,00,000 |
| 10,00,000 | 15,000 | 5,91,652 |
| 20,00,000 | 20,000 | 20,00,000 |
| 20,00,000 | 25,000 | 15,91,652 |
| 30,00,000 | 30,000 | 30,00,000 |
| 30,00,000 | 35,000 | 25,91,652 |
| 50,00,000 | 50,000 | 50,00,000 |
| 50,00,000 | 60,000 | 41,83,303 |
| 1,00,00,000 | 1,00,000 | 1,00,00,000 |
| 1,00,00,000 | 1,25,000 | 79,58,258 |
Projection only, not advice.
Frequently asked questions
| Question | Answer |
|---|---|
| Can my corpus last forever with SWP? | Yes, if each withdrawal stays below the monthly return. The tool then shows 50+ years. |
| How much corpus do I need for a monthly income? | Choose Corpus Needed and enter the monthly amount, return and years. |
| What is yearly step-up? | It raises your withdrawal each year to beat inflation. A 6% step-up turns Rs. 20,000 into Rs. 21,200 in year 2. |
| Is SWP better than a fixed deposit? | Often more tax-efficient, since only gains are taxed, but returns are not guaranteed. |
| Does it include market ups and downs? | No. It uses one steady return, so also test a lower rate. |
| What is a safe withdrawal rate? | No single answer. Many retirement plans use 4% to 6% of the starting corpus a year. See the Withdrawal rate row. |