A Systematic Withdrawal Plan withdraws a fixed amount from your mutual fund at regular intervals while the remaining corpus stays invested. It creates a steady income stream that can be used in retirement or to fund recurring expenses.

What withdrawal rate is safe?

A common rule of thumb is a 4–6% annual withdrawal rate for long retirements. If you withdraw more than the assumed return, the corpus shrinks every month and will eventually be exhausted; this calculator shows exactly when.

How long will my money last with a monthly withdrawal?

It depends on the corpus, the monthly amount, and the return earned by the remaining balance. Enter your numbers above: the calculator simulates each month and displays the exact month the balance reaches zero.

Should I increase my withdrawal every year?

Yes, usually. To maintain purchasing power against inflation, many investors increase withdrawals by 5–7% a year. The step-up field models this effect on how long the corpus lasts.

SWP Calculator

Planning regular income from your investments? Find out how long your corpus lasts, how much it pays out in total, and whether your withdrawal rate is sustainable.

Updated November 2026 · Results update live

Total corpus (lumpsum invested)

The amount already invested in your mutual fund.

Monthly withdrawal

Expected return on the remaining corpus (p.a.)

Plan for

Yearly increase

Your plan

Balance after 10 years

₹0 Total received so far: ₹0

Corpus invested

₹0

Balance remaining

₹0

Corpus balance over time

Received vs. remaining

Total income received, year by year

Total withdrawn

Year-by-year withdrawals

Cumulative figures

Withdrawals and remaining balance at the end of each year
Period	Monthly amount	Total withdrawn	Balance left

Withdrawals are taken at the end of each month.Pre-tax, nominal values

How the SWP calculator works

A Systematic Withdrawal Plan (SWP) is the opposite of a SIP: instead of adding money every month, you take a fixed amount out while the rest stays invested. This calculator simulates every month:

balance = balance × (1 + annual rate ÷ 12) − monthly withdrawal

When the balance can no longer cover the full withdrawal, the calculator stops and reports the exact duration your money lasts.

The withdrawal-rate rule

Your annual withdrawal rate is (monthly withdrawal × 12) ÷ corpus. If that rate is lower than the return you expect, the corpus grows; if it is higher, the corpus declines. Financial planners often use 4–6% for long retirements — India's higher expected returns sometimes permit the upper end of that range, but taxes and inflation should be factored in.

Inflation-proof withdrawals

A fixed monthly amount buys less every year. Setting the yearly increase to the expected inflation rate (typically 5–7%) keeps real purchasing power constant — at the cost of a shorter corpus life.

SWP versus dividend income

SWPs let you control the amount and timing, and they work with any mutual fund. Dividends depend on the scheme's payout decisions. Many retirees combine an SWP from a hybrid or debt fund with growth assets held for the long run.

Figures are pre-tax and assume a constant return. Real markets fluctuate; sequence-of-returns risk can shorten a corpus faster than a steady-growth projection suggests.

SWP frequently asked questions

What is an SWP and how does it work?

A Systematic Withdrawal Plan redeems a fixed amount from your mutual fund units at set intervals. Units are sold to fund each withdrawal, and the remaining units keep earning returns. It is the standard way to convert a lump sum into regular income.

What is a safe withdrawal rate?

4–6% per year is the common planning range for long horizons. This calculator warns you when your chosen rate exceeds the expected return, which means the corpus will eventually run out.

How do I keep my income inflation-proof?

Use the yearly increase field. Increasing the withdrawal by 5–7% each year matches typical inflation, but it reduces how long the corpus lasts — the balance chart shows the difference immediately.

Is SWP income taxable?

Yes. Each withdrawal may realise a capital gain depending on your purchase price and holding period, and tax rules for equity and debt funds differ. This calculator shows pre-tax amounts only.

Can I withdraw more in some months?

In real life, yes — most fund houses allow flexible withdrawals. Use this calculator for the average pattern; for a one-off large withdrawal, add it manually to your planning.

Disclaimer: CalcHub calculators are educational tools based on standard formulas and the inputs you provide. They are not financial, investment or tax advice. Consult a registered investment adviser before acting on results.