SWP Calculator
Systematic withdrawal plan: monthly income and remaining corpus.
Enter your details
How it is calculated
Level sustainable withdrawal W = Corpus × i ÷ [(1 − (1 + i)−n) × (1 + i)^0] (adjusted for start-of-month withdrawals: ÷ (1 + i) factor).
Worked example
₹50,00,000 corpus, ₹30,000 per month, 8% p.a. for 20 years: the corpus lasts the full period and ≈ ₹43 lakh is still left; at ₹60,000 a month it would be exhausted in under 11 years.
About the SWP Calculator
Systematic withdrawal plan: monthly income and remaining corpus. This free investment & retirement tool runs entirely in your browser: nothing you type is sent to a server, and you can save, print or download the result.
What you need to enter
You will be asked for initial investment (corpus), monthly withdrawal, expected annual return, withdrawal period (years), annual increase in withdrawal. Fields marked * are required. Every field shows a hint and the allowed range.
How to use it
- Fill in the inputs (sample values are pre-filled so you can see how it works).
- Press Calculate to see the result, breakdown and chart.
- Use Print, Download PDF or Share to keep the result, or come back to it from your saved history.
Who it helps
Salaried individuals, business owners, investors and professionals who want a quick, transparent estimate before they file, invest or plan. If your case has special facts, our team can review it - ask for a consultation.
Results are estimates based on the rules and rates described under "How it is calculated". Laws change and individual facts differ, so confirm with official sources or a qualified professional before acting. This is not tax, legal or investment advice.
Frequently asked questions
How do I pick a safe withdrawal amount?
A common rule of thumb is to keep the first-year withdrawal near 4–6% of the corpus, but the right figure depends on returns, inflation and how long you need income. Use this tool to test several scenarios.
What happens if the corpus runs out?
The calculator shows the month in which the balance reaches zero. In practice you would reduce withdrawals earlier or have another income source.
Is SWP income taxable?
Each SWP payout is a redemption; only the gains portion is taxed, as capital gains, as per rules for that fund type. This calculator does not deduct tax.
Need help beyond the calculator?
Talk to our tax and compliance team for advice based on your documents.