SWP Calculator
Withdrawing ₹30,000 a month from ₹50 lakh earning an assumed 8% a year pays out ₹54.00 lakh over 15 years and still leaves about ₹61.53 lakh.
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A systematic withdrawal plan (SWP) pays you a fixed amount every month from an invested corpus, while the rest stays invested and keeps earning returns.
Example
Withdrawing ₹30,000 a month from ₹50,00,000 earning 8% a year for 15 years: you receive ₹54,00,000 in total and about ₹61,53,461 is still left at the end.
SWP Calculator scenarios
| Monthly withdrawal | Lasts | Total withdrawn | Left after 25 years |
|---|---|---|---|
| ₹20,000 | 25+ years | ₹60.00 lakh | ₹1.77 crore |
| ₹30,000 | 25+ years | ₹90.00 lakh | ₹81.70 lakh |
| ₹40,000 | 22 y 6 m | ₹1.08 crore | ₹0 |
| ₹50,000 | 13 y 10 m | ₹82.67 lakh | ₹0 |
| ₹60,000 | 10 y 3 m | ₹73.23 lakh | ₹0 |
What changes the result
- Withdrawal rate: withdrawing more each year than the corpus earns makes it shrink, and the decline speeds up over time.
- The actual return and its sequence — a market fall early in the withdrawal period hurts more than one later.
- Inflation: a fixed withdrawal buys less every year unless you raise it.
- Tax on the gain portion of each redemption, and any exit load in the first year.
How to use this calculator
- Enter the corpus you will invest.
- Enter the fixed amount you want to withdraw every month.
- Enter the expected annual return and the number of years.
- Check the total withdrawn, the balance left and whether the money runs out early.
SWP Calculator FAQs
How is SWP taxed?
Each withdrawal is a redemption of units, so only the gain portion of each withdrawal is taxed as capital gains — not the whole amount.
What happens if withdrawals exceed returns?
The corpus shrinks over time. The calculator shows how many months the money lasts if it runs out before the end of the period.
Is SWP the same as a dividend (IDCW) option?
No. An SWP pays a fixed amount you choose on fixed dates; IDCW payouts are decided by the fund and are taxed in full at your slab rate, whereas SWP is taxed only on the gain in each redemption.
Does the calculator adjust withdrawals for inflation?
No. It keeps the monthly withdrawal fixed. To allow for rising expenses, test a lower return or a higher withdrawal.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.