SWP Calculator
See exactly how a Systematic Withdrawal Plan drains — or grows — your corpus: final balance, total withdrawn and returns earned, month by month.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Withdrawal schedule
Plan a tax-efficient SWP with an advisor
We map your corpus, withdrawal rate and capital-gains tax so your money lasts as long as you need it.
Disclaimer: Indicative estimate assuming a constant monthly return applied at the end of each month before withdrawal. Mutual-fund returns are not guaranteed and fluctuate; capital-gains tax on each withdrawal is not deducted here. For illustration only.
What a Systematic Withdrawal Plan does
An SWP lets you park a lump sum in a mutual fund and withdraw a fixed amount every month — like a self-made pension. The corpus that stays invested keeps earning returns, so if your withdrawal rate is lower than your return, the corpus can even grow while paying you. This calculator applies your expected return each month, then subtracts your withdrawal, for the full tenure.
How the SWP is calculated
The engine runs month by month. Starting from your corpus, each month it adds the monthly return and then subtracts your withdrawal:
| Monthly rate i | annual % ÷ 12 ÷ 100 |
| Each month | balance = balance × (1 + i) − withdrawal |
| Number of months n | years × 12 |
| Total withdrawn | withdrawal × n |
| Return earned | final balance − corpus + total withdrawn |
Worked example
Corpus ₹10,00,000 · withdrawal ₹10,000/month · 8% annual return · 5 years (60 months). Monthly rate i = 8 ÷ 12 ÷ 100 = 0.6667%.
Key terms explained
Withdrawal rate
Your monthly withdrawal as a share of the corpus. A safe rate keeps annual withdrawals below the expected return so the corpus lasts. Draw faster than you earn and the balance shrinks every month.
Corpus exhaustion
The month the balance hits zero. Once exhausted, no further withdrawals are possible. Lower your withdrawal, raise the corpus, or assume a higher return to push this point beyond your tenure.
Return earned
The growth the invested balance generated on top of what you withdrew: final balance − corpus + total withdrawn. It can exceed your withdrawals when the return rate is high.
Capital-gains tax
Each SWP withdrawal is a partial redemption, so gains are taxable. Equity funds: 12.5% LTCG above ₹1.25L/yr; debt funds taxed at slab. This calculator shows pre-tax figures.
Questions people ask
Short answers on SWP Calculator. Tap a question to open it.
01What is a systematic withdrawal plan?
A facility to withdraw a fixed amount from a mutual fund at regular intervals by redeeming units. It is used to generate a regular income from an accumulated corpus, typically in retirement.
02Is an SWP more tax efficient than a fixed deposit?
Usually yes. Only the capital gain component of each withdrawal is taxed, not the whole amount, whereas the entire interest on a deposit is taxable. In an equity fund, long-term gains up to ₹1.25 lakh a year are also exempt.
03Will my corpus last?
That depends on the withdrawal rate relative to the return. Withdrawing more than the portfolio earns depletes it, and a market fall early in the withdrawal period does disproportionate damage — which is why a conservative rate matters.
04How is each SWP withdrawal taxed?
Units are redeemed on a first-in-first-out basis, so each withdrawal has its own holding period and cost. The gain is taxed as short-term or long-term depending on how long those particular units were held.
05Is an SWP better than a dividend option?
Generally yes. Dividends from mutual funds are taxable at slab rates with TDS above ₹10,000, whereas an SWP is taxed only on the gain element and lets you control the amount and timing.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.