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SWP calculator

A systematic withdrawal plan in numbers: how long a corpus lasts when you draw a monthly income that rises with inflation — and the highest withdrawal it can sustain.

Match inflation so your income keeps its buying power.
Your own assumption. A retirement portfolio is usually more conservative than a growth portfolio. Not a forecast.
Result—
Balance left at the end—
Total withdrawn—
Withdrawal in the final year—
Highest starting withdrawal that lasts—

Years covered
—

Educational tool with simplified assumptions. Returns are not guaranteed; actual results will differ. This is not investment, tax or legal advice.

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How it works

The maths, in plain English.

Each month the withdrawal is taken out first; what remains earns one-twelfth of the yearly return. Once a year the withdrawal steps up by the percentage you choose.

Highest sustainable withdrawal is found by trial: the largest starting amount for which the corpus reaches the end of the period without running out.

What it ignores. Real returns arrive unevenly. Poor returns early in retirement do more damage than the same returns later (sequence risk), and each withdrawal from a mutual fund is a sale with capital gains tax on the gain portion.

Questions

FAQ

What is an SWP?
A systematic withdrawal plan pays you a fixed amount from a mutual fund at regular intervals by selling units. It turns a lump sum into a monthly income while the rest stays invested.
How much can I withdraw without running out of money?
It depends on the return you assume, inflation and how long the money must last. With a 25–30 year horizon, starting withdrawals of roughly 3–4% of the corpus a year, rising with inflation, have been the usual planning range. The calculator shows the exact figure for your inputs.
Is SWP income taxed?
Each withdrawal is a sale of units. Only the gain portion is taxed: for equity-oriented funds, 20% if held under a year and 12.5% above ₹1.25 lakh of long-term gains a year; for debt funds bought after 1 April 2023, at your slab rate.
SWP or dividend (IDCW) option?
An SWP lets you choose the amount and timing, and only the gain part of each withdrawal is taxed. IDCW payouts are decided by the fund and are taxed fully at your slab rate.

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