Input type
Retirement Withdrawal Planner
SWP calculator for systematic withdrawals
Enter your corpus, monthly withdrawal amount, expected return, and withdrawal period to estimate your remaining balance and total income drawn.
Monthly income
Corpus sustainability
Balance tracking
Best for
Retirement income
Output
Balance + total drawn
Enter SWP details
Provide your starting corpus, monthly withdrawal, expected return, and duration.
Before you calculate
- Monthly withdrawal is taken from the corpus each month.
- Remaining balance earns the expected annual return each month.
- If corpus depletes before the term ends, balance shows zero.
Why use this SWP calculator?
It helps retirees and investors plan sustainable monthly income from their corpus while keeping track of whether the investment can last the intended period.
About Systematic Withdrawal Plan
SWP allows investors to withdraw a fixed amount from their mutual fund periodically. It is commonly used in retirement for regular income while keeping the corpus invested.
SWP vs FD interest
SWP from an equity fund can be more tax-efficient than FD interest since only the gain portion of each withdrawal is taxed.
Choosing withdrawal amount
A safe withdrawal rate ensures corpus is not depleted during the withdrawal period. Typically 4–6% annual withdrawal of corpus is considered safe.
Market risk in SWP
If fund NAV falls, the same withdrawal amount redeems more units, accelerating corpus depletion. Balance this with debt allocation.
Before final decision
Use this as an estimate. Actual SWP performance depends on actual fund returns which may vary from the assumed rate.