SWP Calculator
Plan your post-retirement cash flow. See how long your investment corpus will last with regular withdrawals.
Your inputs
Your estimate
Total Amount Withdrawn
₹12,00,000
Final Corpus Balance
₹3,90,180
Estimates use your inputs and assumed returns. Actual returns vary and are not guaranteed.
Quick answer
An SWP calculator shows how long a corpus lasts with fixed monthly withdrawals. ₹10 lakh earning an assumed 8% a year, with ₹10,000 withdrawn monthly, still has about ₹3.9 lakh left after 10 years.
About the SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your mutual fund at regular intervals — essentially the reverse of an SIP. It is highly tax-efficient and ideal for retirees seeking regular income.
What is the formula?
Each month, Balance = Balance × (1 + i) − withdrawal, until the term ends or the balance reaches zero.
Worked example
Over 10 years that plan pays out ₹12 lakh in total from a ₹10 lakh corpus, and about ₹3.9 lakh remains at an assumed 8% a year.
Frequently asked questions
What is a safe withdrawal rate?
Typically, a withdrawal rate of 4-6% of the initial corpus is sustainable if fund returns are around 8-10%.
Is SWP better than Dividend?
Yes, SWP is generally more tax-efficient than dividends and gives you control over the cash flow amount.
Related guides
Reviewed by Vikas Gupta, AMFI-registered Mutual Fund Distributor (ARN-178652). Last updated . Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual fund distribution by Korlipara Vikas Gupta, AMFI-registered Mutual Fund Distributor, ARN-178652. Distributors earn commission from fund houses on regular plans. Content and calculators on this site are for education, not personalised investment advice. Illustrations use assumed returns, which are not guaranteed.