SWP Calculator
Instant results as you type.
₹
₹
%
years
The corpus lasts (years)
20
Balance at the end₹69,63,401.39
Total withdrawn₹72,00,000.00
What this meansThe corpus outlasts 20 years — the balance at the end is still positive. A withdrawal below the growth rate can run almost indefinitely.
For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
A systematic withdrawal plan is retirement in practice: a corpus that keeps earning while you draw a monthly income from it. Whether it lasts depends on a race between growth and withdrawals. This calculator runs that race month by month and tells you plainly whether the money outlives the plan or runs out first — and if it runs out, exactly when.
How to use it
- Enter your starting corpus and the monthly amount you want to withdraw.
- Enter the return you expect and the number of years you need the income for.
- Read how long the corpus actually lasts and what is left at the end.
Examples
- 50 lakh at 8%, withdrawing 30,000 a month: outlasts 20 years and still leaves around 69 lakh.
- 10 lakh at 8%, withdrawing 50,000 a month: empty in under two years.
Frequently asked questions
- How much can I safely withdraw each month?
- As a rough guide, an annual withdrawal of 4 to 5 per cent of the corpus tends to survive a long retirement, which is about 17,000 to 21,000 a month per 50 lakh. Withdraw at or below the growth rate and the corpus can last indefinitely; withdraw above it and the end date is arithmetic. Test your own figure here before relying on it.
- Is SWP better than keeping money in an FD?
- An SWP from a balanced or debt fund usually offers better post-tax outcomes than an FD, because only the gain portion of each withdrawal is taxed rather than the entire interest. The trade-off is that returns are not guaranteed, so the plan needs a cushion an FD does not.
- How is SWP taxed?
- Each withdrawal is treated as a partial redemption, and only the capital-gains portion is taxable — not the whole amount. This is why an SWP is generally more tax-efficient than drawing the equivalent as interest. The exact treatment depends on the fund type and holding period, so confirm with a tax adviser for your case.
- What happens if the market falls early on?
- Early losses hurt disproportionately, because you are selling units at low prices to fund withdrawals and there are fewer left to recover. This is called sequence-of-returns risk. The usual defence is keeping two to three years of withdrawals in a stable debt fund, so you never have to sell equity into a fall.