SWP Calculator
Calculate your Systematic Withdrawal Plan — find out how long your corpus will last with regular withdrawals, safe withdrawal rates, and detailed year-by-year breakdown.
SWP Calculator
Systematic Withdrawal Plan — Calculate how long your corpus will last with regular withdrawals.
Total Withdrawn
₹72.00 L
Remaining Corpus
₹69.63 L
Returns Earned During Withdrawal
₹91.63 L
Your corpus will last 20 years! You'll still have ₹69.63 L remaining after withdrawing ₹30,000/month.
Safe Withdrawal Rates for ₹50.00 L
| Withdrawal Rate | Monthly | After 20Y | Status |
|---|---|---|---|
| 3% p.a. | ₹12,500/mo | ₹1.73 Cr | Safe |
| 4% p.a. | ₹16,667/mo | ₹1.48 Cr | Safe |
| 5% p.a. | ₹20,833/mo | ₹1.24 Cr | Safe |
| 6% p.a. | ₹25,000/mo | ₹99.09 L | Safe |
| 8% p.a. | ₹33,333/mo | ₹50.00 L | Safe |
Year-by-Year Breakdown
| Year | Opening | Withdrawn | Returns | Closing |
|---|---|---|---|---|
| 1 | ₹50,00,000 | ₹3,60,000 | ₹4,01,500 | ₹50,41,500 |
| 2 | ₹50,41,500 | ₹3,60,000 | ₹4,04,944 | ₹50,86,444 |
| 3 | ₹50,86,444 | ₹3,60,000 | ₹4,08,675 | ₹51,35,119 |
| 4 | ₹51,35,119 | ₹3,60,000 | ₹4,12,715 | ₹51,87,833 |
| 5 | ₹51,87,833 | ₹3,60,000 | ₹4,17,090 | ₹52,44,923 |
| 6 | ₹52,44,923 | ₹3,60,000 | ₹4,21,828 | ₹53,06,751 |
| 7 | ₹53,06,751 | ₹3,60,000 | ₹4,26,960 | ₹53,73,711 |
| 8 | ₹53,73,711 | ₹3,60,000 | ₹4,32,518 | ₹54,46,229 |
| 9 | ₹54,46,229 | ₹3,60,000 | ₹4,38,537 | ₹55,24,765 |
| 10 | ₹55,24,765 | ₹3,60,000 | ₹4,45,055 | ₹56,09,820 |
| 11 | ₹56,09,820 | ₹3,60,000 | ₹4,52,115 | ₹57,01,935 |
| 12 | ₹57,01,935 | ₹3,60,000 | ₹4,59,760 | ₹58,01,695 |
| 13 | ₹58,01,695 | ₹3,60,000 | ₹4,68,040 | ₹59,09,735 |
| 14 | ₹59,09,735 | ₹3,60,000 | ₹4,77,007 | ₹60,26,742 |
| 15 | ₹60,26,742 | ₹3,60,000 | ₹4,86,719 | ₹61,53,461 |
| 16 | ₹61,53,461 | ₹3,60,000 | ₹4,97,236 | ₹62,90,697 |
| 17 | ₹62,90,697 | ₹3,60,000 | ₹5,08,627 | ₹64,39,324 |
| 18 | ₹64,39,324 | ₹3,60,000 | ₹5,20,963 | ₹66,00,287 |
| 19 | ₹66,00,287 | ₹3,60,000 | ₹5,34,323 | ₹67,74,610 |
| 20 | ₹67,74,610 | ₹3,60,000 | ₹5,48,791 | ₹69,63,401 |
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What is SWP (Systematic Withdrawal Plan)?
SWP is the opposite of SIP. Instead of investing regularly, you withdraw a fixed amount from your mutual fund corpus at regular intervals. It's ideal for retirees who need regular monthly income from their accumulated wealth.
While you withdraw, the remaining corpus continues to earn returns, potentially extending the life of your investment.
Benefits of SWP
- Regular monthly income from your investments
- Remaining corpus continues to grow
- Tax-efficient compared to interest income from FDs
- Flexible withdrawal amounts
- Can be started and stopped at any time
Safe Withdrawal Rate
The '4% Rule' is a popular guideline — withdrawing 4% of your corpus annually (adjusted for inflation) gives a high probability of your money lasting 25-30 years. However, this varies based on market conditions and expected returns.
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