Financial Calculators
SWP Calculator
Turn your corpus into a monthly income - and see exactly how long it lasts.
Your corpus lasts the full period
20 years
and ₹10,73,197 still remains
- Starting corpus
- ₹50,00,000
- Total withdrawn
- ₹96,00,000
- Corpus remaining
- ₹10,73,197
Estimates assume a constant rate of return and a fixed monthly withdrawal, for illustration only. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Income after service, done properly
After retirement, the question changes from “how do I grow this?” to “how do I draw from this without running out?” An SWP answers it with discipline: a fixed monthly withdrawal lands in your bank account like a salary, while the rest of the corpus stays invested and keeps earning. The balance between the two - withdrawal rate versus return - decides whether your money outlasts your retirement. This calculator shows you that balance honestly, including the exact month a plan would run dry if the withdrawal is too aggressive.
How the calculator works
It simulates your plan month by month: the corpus earns one month of return, then the withdrawal is taken at the end of the month. No shortcuts or approximations - if the corpus depletes, you see the precise month it happens.
Worked example: a corpus of ₹50,00,000 earning 8% with a ₹40,000 monthly withdrawal sustains a full 20 years - ₹96,00,000 withdrawn in total, with about ₹10,73,197 still remaining. Reduce the withdrawal to ₹30,000 and the corpus actually grows to about ₹69.6 lakh over the same period.
Frequently asked questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP is the mirror image of a SIP: instead of investing a fixed amount monthly, you withdraw a fixed amount monthly from an invested corpus. The balance stays invested and keeps earning, making it a popular way to draw regular income in retirement.
How long will my corpus last?
It depends on the balance between your withdrawal rate and your return. For example, a ₹50 lakh corpus earning 8% supports a ₹40,000 monthly withdrawal for a full 20 years - with about ₹10.7 lakh still remaining. Withdraw much faster than the corpus earns, and the calculator shows you the exact month it runs out.
Is SWP better than a fixed deposit for monthly income?
They serve different needs. FD interest is fixed and fully taxable at your slab rate, while SWP withdrawals from mutual funds are treated as capital gains, which can be more tax-efficient - and the remaining corpus can keep growing. Many retirees use both; the right mix depends on your income needs and tax situation.
Who should use an SWP?
Anyone converting a corpus into income: retired officers deploying pension commutation, gratuity or DSOP proceeds, or anyone who wants a regular income stream while staying invested. It pairs naturally with the Senior Citizen Schemes we help families structure.
Are the projections guaranteed?
No. The calculator assumes a constant return and fixed withdrawals, for illustration. Actual returns vary with markets, and a poor early sequence of returns can shorten how long a corpus lasts. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Design your retirement income.
We combine SWPs with Senior Citizen Schemes to build dependable, tax-aware income plans.