💸 SWP Calculator
Turn a lump sum into monthly income — and find out exactly how long it lasts. See your total withdrawals, the growth your corpus keeps earning, an inflation step-up option, and a year-by-year balance chart. Free & instant.
* Estimates only. Returns are assumed steady; real markets fluctuate. Not investment advice.
Key Insights — tap any card for details
📊 Year-by-Year Breakdown
| Year | Opening | Withdrawn | Growth | Closing | Total Withdrawn |
|---|---|---|---|---|---|
| Year 1 | ₹25.00 L | −₹1.80 L | +₹2.27 L | ₹25.47 L | ₹1.80 L |
| Year 2 | ₹25.47 L | −₹1.80 L | +₹2.31 L | ₹25.98 L | ₹3.60 L |
| Year 3 | ₹25.98 L | −₹1.80 L | +₹2.36 L | ₹26.54 L | ₹5.40 L |
| Year 4 | ₹26.54 L | −₹1.80 L | +₹2.41 L | ₹27.16 L | ₹7.20 L |
| Year 5 | ₹27.16 L | −₹1.80 L | +₹2.47 L | ₹27.83 L | ₹9.00 L |
| Year 6 | ₹27.83 L | −₹1.80 L | +₹2.53 L | ₹28.56 L | ₹10.80 L |
| Year 7 | ₹28.56 L | −₹1.80 L | +₹2.60 L | ₹29.37 L | ₹12.60 L |
| Year 8 | ₹29.37 L | −₹1.80 L | +₹2.68 L | ₹30.24 L | ₹14.40 L |
| Year 9 | ₹30.24 L | −₹1.80 L | +₹2.76 L | ₹31.21 L | ₹16.20 L |
| Year 10 | ₹31.21 L | −₹1.80 L | +₹2.85 L | ₹32.26 L | ₹18.00 L |
| Year 11 | ₹32.26 L | −₹1.80 L | +₹2.95 L | ₹33.41 L | ₹19.80 L |
| Year 12 | ₹33.41 L | −₹1.80 L | +₹3.06 L | ₹34.66 L | ₹21.60 L |
| Year 13 | ₹34.66 L | −₹1.80 L | +₹3.18 L | ₹36.04 L | ₹23.40 L |
| Year 14 | ₹36.04 L | −₹1.80 L | +₹3.30 L | ₹37.54 L | ₹25.20 L |
| Year 15 | ₹37.54 L | −₹1.80 L | +₹3.45 L | ₹39.19 L | ₹27.00 L |
| Year 16 | ₹39.19 L | −₹1.80 L | +₹3.60 L | ₹40.99 L | ₹28.80 L |
| Year 17 | ₹40.99 L | −₹1.80 L | +₹3.77 L | ₹42.96 L | ₹30.60 L |
| Year 18 | ₹42.96 L | −₹1.80 L | +₹3.95 L | ₹45.11 L | ₹32.40 L |
| Year 19 | ₹45.11 L | −₹1.80 L | +₹4.16 L | ₹47.47 L | ₹34.20 L |
| Year 20 | ₹47.47 L | −₹1.80 L | +₹4.38 L | ₹50.05 L | ₹36.00 L |
What is an SWP & How Does It Work?
A Systematic Withdrawal Plan (SWP)is the reverse of a SIP. Instead of investing a fixed amount every month, you withdraw one — while the rest of your corpus stays invested and keeps compounding. It's the most popular way for retirees to convert a lump sum into a predictable, tax-efficient monthly paycheck. Each month the fund grows a little, you take your withdrawal, and the balance carries forward. The art is setting a withdrawal that your returns can largely sustain, so the money lasts as long as you need it.
Will Your Money Last?
The headline answer first: a clear banner tells you whether your corpus survives the full plan, or the exact year and month it runs dry.
Balance Chart
Watch your corpus rise or fall year by year, with the total you've withdrawn overlaid — hover any point for the numbers.
Six Key Insights
Withdrawal rate vs the 4% rule, growth earned, the never-deplete limit, real (inflation-adjusted) value and more — tap any card to learn the why.
Inflation Step-up
Raise your withdrawal a few percent each year so your income keeps pace with prices — and see how it changes corpus longevity.
Built for Mobile
Results sit right under the inputs, and the breakdown becomes tidy cards on phones — no squinting at a scrolling table. Works to 280px.
Private & Free
100% in your browser — your retirement numbers never leave your device. No login, no limits, full dark mode.
How to Use the SWP Calculator
Four quick steps — every number updates the instant you change a slider.
Enter your corpus
Put in the lump sum you'll invest — your retirement fund, a maturing PF, or any one-time amount.
Set the monthly withdrawal
Choose how much income you want each month. Add an annual step-up if it must keep up with inflation.
Add return & duration
Pick a realistic expected return for your fund type and the number of years you need the income.
Read the verdict
The banner and insights tell you instantly if the plan lasts; the chart and breakdown show the full journey.
Frequently Asked Questions
What is a SWP (Systematic Withdrawal Plan)?
A SWP lets you withdraw a fixed amount from your mutual fund investment at regular intervals — usually monthly — while the rest of the money stays invested and keeps growing. It is the mirror image of a SIP: instead of putting money in every month, you take money out, turning a lump-sum corpus into a steady income stream.
How does this SWP calculator work?
Enter your total corpus, the monthly amount you want to withdraw, the expected annual return and the time period. The calculator simulates every month — adding a month's growth, then subtracting your withdrawal — and shows whether your money lasts, your total income, the growth earned, and a year-by-year balance. You can also add an annual step-up so withdrawals rise with inflation.
Will my SWP corpus ever run out?
It depends on the balance between your withdrawal rate and your returns. If you withdraw less than the corpus earns, it never shrinks — and may even grow. Withdraw more, and the principal slowly erodes until it hits zero. The calculator flags the exact year and month your corpus would deplete, if it does.
What is a safe SWP withdrawal rate?
A common benchmark is the 4% rule from the Trinity Study: withdrawing about 4% of your corpus per year has historically lasted 30+ years with a balanced portfolio. Higher rates raise the risk of running out, especially if markets underperform early. This tool shows your withdrawal rate and the amount the 4% rule would allow.
Is SWP better than a bank FD for monthly income?
They serve different needs. An FD gives fixed, guaranteed interest but is fully taxable and doesn't beat inflation well. An SWP from an equity or hybrid fund can deliver higher long-term returns and is more tax-efficient (only the gain portion of each withdrawal is taxed), but returns fluctuate. Many retirees use a mix.
How is SWP taxed in India?
Each withdrawal is treated as a partial redemption, so only the capital-gains portion is taxed — not the whole amount. For equity funds, long-term gains (units held over a year) above ₹1.25 lakh a year are taxed at 12.5%. This makes SWP far more tax-efficient than an FD, where all interest is taxed at your slab rate.
Should I add an annual step-up to my withdrawals?
If the income needs to cover living expenses, yes — prices rise roughly 5–6% a year, so a fixed withdrawal buys less over time. A 5–6% annual step-up keeps your real purchasing power roughly steady, though it makes the corpus deplete faster, which the calculator accounts for.
Does this SWP calculator store my data?
No. Every calculation runs entirely in your browser — nothing you enter is sent to a server, saved or shared. You can model your real retirement numbers privately, and it works offline once the page has loaded.