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SWP calculator
How long will your corpus pay you every month?
Put in the money you have, the amount you want to take out each month and an assumed rate. The table below shows the balance year by year, and the exact month it runs out if the withdrawal is too high.
- A quick example
- Corpus₹50,00,000
- Monthly withdrawal₹30,000
- Assumed rate for illustration8% a year
- Balance after 20 yearsabout ₹62.3 lakh
- ₹72 lakh taken out over 20 years and the corpus is still larger than at the start. Raise the withdrawal to ₹45,000 and the same money lasts about 16 years.
Calculator
Your withdrawal plan
Withdrawals are taken at the end of each month. The yearly rate is converted to a monthly rate. All figures before tax. The rate is an assumed rate for illustration; real returns move every year and can be negative.
- Total withdrawn
- ₹0
- Growth earned on the balance
- ₹0
- Last monthly withdrawal
- ₹0
Assumed rate for illustration only. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in future.
Year by year balance
| Year | Opening balance | Withdrawn | Growth | Closing balance |
|---|
Reading the result
Three numbers decide whether the money lasts
The table looks busy, but only three things move it. Change one at a time in the calculator and watch the closing balance.
- Withdrawal rate. Yearly withdrawal divided by corpus. ₹30,000 a month from ₹50 lakh is 7.2% a year. Above the assumed return, the balance starts shrinking from month one.
- Assumed return. A conservative hybrid or debt mix is usually planned at a lower figure than pure equity. We often run the plan at two rates, say 7% and 9%, and plan on the lower one.
- Yearly increase. A 6% yearly raise on ₹30,000 means ₹53,700 a month in year 11. This is the number most people forget, and it is why a plan that looks safe at 0% can run dry at 6%. With ₹50 lakh at an assumed 8%, it runs out in year 17.
Same corpus, different withdrawals
₹50 lakh at an assumed 8%
Worked from the same formula as the calculator, no yearly increase unless stated. Assumed rate for illustration; real returns will differ.
| Monthly withdrawal | Withdrawal rate | What happens |
|---|---|---|
| ₹25,000 | 6.0% a year | About ₹90.8 lakh left after 20 years |
| ₹30,000 | 7.2% a year | About ₹62.3 lakh left after 20 years |
| ₹40,000 | 9.6% a year | Lasts about 21 years |
| ₹50,000 | 12.0% a year | Lasts about 13 years and 5 months |
| ₹30,000, raised 6% each year | 7.2% in year one | Runs out in month 201, about 16 years and 9 months |
Where SWP fits
For people who stop earning a salary but still need one
- Retired, with a lump sum from gratuity, PF or a property sale, needing ₹25,000 to ₹60,000 a month
- Parents paying college fees every month for four years from money already saved
- Anyone on a career break who wants a fixed monthly amount without selling everything at once
Planning to retire soon? See retirement planning and our page for senior citizens.
Tax, briefly
Each withdrawal is part capital, part gain
An SWP sells units. Only the gain portion of each sale is taxed, not the whole amount, which is why an SWP is often lighter on tax than interest income of the same size. Equity fund gains held over 12 months are long-term, with gains up to ₹1.25 lakh a year exempt and 12.5% above that. Debt fund gains are added to your income and taxed at your slab.
Rules as of 2026, check current rules. General information, not tax advice.
What this calculator leaves out
- Tax on each withdrawal
- Exit load in the first year, if the fund has one
- Bad years early on. A fall in years one to three hurts an SWP far more than the same fall in year fifteen
What withdrawal rate is sensible?
Many planners start near 4% to 6% of the corpus a year when the money must last 25 years or more. For ₹50 lakh that is roughly ₹16,700 to ₹25,000 a month. Shorter goals can take more. Your age, other income and how much of the corpus sits in equity change this, so treat it as a starting point.
Why does my result differ from another calculator?
Small choices matter: whether the withdrawal is taken at the start or end of the month, and whether 8% a year becomes 0.667% a month or the compounded 0.643%. We use end of month and the compounded monthly rate, which gives a slightly more cautious figure.
Which fund categories are used for an SWP?
Usually hybrid funds such as balanced advantage or conservative hybrid, or a mix of debt and equity funds, often with one to two years of withdrawals parked in a liquid fund. We pick the category from your time frame and how much a fall would worry you. See hybrid funds and liquid funds.
Can I change or stop the SWP later?
Yes. The amount, date and frequency can be changed or stopped with a simple request to the fund house. There is no penalty for stopping, apart from any exit load that applies to the units sold.
Is the monthly amount fixed for life?
No. If markets do badly for a couple of years, cutting the withdrawal for a while is the single best way to protect the corpus. We review this with you once a year.
Plan it with us
Get a monthly income plan, worked out for your numbers
Tell us the corpus and the monthly amount you need. We reply on WhatsApp with a suggested fund category mix, the withdrawal we would start with and what happens if the first two years go badly.
- No charge for the first plan
- We explain the regular plan commission upfront
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