SWP calculator
Regular withdrawals from a corpus, and when it runs out.
Your inputs
Withdrawal
Advanced settings
How the yearly return is applied
Most apps divide the yearly return by 12, which shows about 3.5% more over 10 years. We use the effective rate by default, so 12% means 12% a year.
Payment timing
Adjusts for inflation so you can see real purchasing power.
Capital-gains tax if you redeem everything at the end (tax year 2026-27 rules).
Results
Generated on 11 Oct 2026
Your inputs
| Corpus | ₹50,00,000 |
|---|---|
| Withdrawal | Fixed |
| Monthly withdrawal | ₹30,000 |
| Expected return (per year) | 9% |
| Show for | 25 years |
| Start withdrawals after | 0 months |
| How the yearly return is applied | Effective (12% = 12% a year) |
| Payment timing | Start of month |
| Inflation (per year) | 6% |
| Show values in today's money | ✓ |
| Show value after tax | — |
Corpus lasts
More than 100 years
- Total withdrawn
- ₹90,00,000
- Corpus at the end
- ₹1,11,56,149
- First withdrawal
- ₹30,000
- Value in today's money
- ₹25,99,367
- After 6% yearly inflation
- Withdrawal that lasts 25 years
- ₹40,472
- Withdrawal that can last forever
- ₹35,779
- Total withdrawn₹90,00,000(45%)
- Corpus at the end₹1,11,56,149(55%)
See how a different amount, return or period changes the result, side by side.
Year-by-year breakdown
| Year | Invested in year | Withdrawn in year | Total invested | Growth in year | Value at year end | In today's money |
|---|---|---|---|---|---|---|
| 1 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,32,681 | ₹50,72,681 | ₹47,85,548 |
| 2 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,39,222 | ₹51,51,903 | ₹45,85,176 |
| 3 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,46,352 | ₹52,38,256 | ₹43,98,140 |
| 4 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,54,124 | ₹53,32,380 | ₹42,23,744 |
| 5 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,62,595 | ₹54,34,975 | ₹40,61,329 |
| 6 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,71,829 | ₹55,46,804 | ₹39,10,278 |
| 7 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,81,893 | ₹56,68,697 | ₹37,70,007 |
| 8 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹4,92,864 | ₹58,01,561 | ₹36,39,971 |
| 9 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,04,822 | ₹59,46,382 | ₹35,19,655 |
| 10 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,17,855 | ₹61,04,238 | ₹34,08,575 |
| 11 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,32,062 | ₹62,76,300 | ₹33,06,277 |
| 12 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,47,548 | ₹64,63,848 | ₹32,12,335 |
| 13 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,64,427 | ₹66,68,276 | ₹31,26,348 |
| 14 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹5,82,826 | ₹68,91,102 | ₹30,47,941 |
| 15 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹6,02,880 | ₹71,33,982 | ₹29,76,761 |
| 16 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹6,24,739 | ₹73,98,721 | ₹29,12,479 |
| 17 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹6,48,566 | ₹76,87,287 | ₹28,54,785 |
| 18 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹6,74,537 | ₹80,01,824 | ₹28,03,389 |
| 19 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹7,02,845 | ₹83,44,669 | ₹27,58,022 |
| 20 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹7,33,701 | ₹87,18,370 | ₹27,18,429 |
| 21 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹7,67,334 | ₹91,25,705 | ₹26,84,375 |
| 22 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹8,03,994 | ₹95,69,699 | ₹26,55,640 |
| 23 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹8,43,954 | ₹1,00,53,653 | ₹26,32,019 |
| 24 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹8,87,510 | ₹1,05,81,163 | ₹26,13,320 |
| 25 | ₹0 | ₹3,60,000 | ₹50,00,000 | ₹9,34,986 | ₹1,11,56,149 | ₹25,99,367 |
Month-by-month schedule
Assumptions and method
Formula
- Each month: balance = (B − W) · (1 + i) (start-of-month timing)
- Sustainable forever (fixed): W = B · i / (1 + i)
- Sustainable forever (rising g a year): W = B · (1 − (1 + g)/(1 + R)) / ä₁₂
Conventions used
- Monthly rate: i = (1 + r)^(1/12) − 1 (Effective (12% = 12% a year))
- Money moves at the start of each month, so an instalment earns that month's return.
Modelling notes
- Real values deflate by (1 + 0.06)^(months/12).
- Fixed monthly withdrawal.
- If the corpus cannot cover a withdrawal, the final withdrawal is partial.
Not included
- Market ups and downs: the same return is assumed every month.
- Expense ratio, exit load and stamp duty, unless your expected return already allows for them.
- Income tax on gains (turn on the post-tax option to estimate it).
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
A Systematic Withdrawal Plan (SWP) pays you a regular amount from a mutual fund corpus while the rest stays invested. It is commonly used for retirement income.
Choose a fixed amount, a percentage of the corpus, or an amount that rises with inflation every year. The calculator shows how the corpus evolves, when it runs out (if it does), and the largest withdrawal that would last your chosen horizon or forever.
Frequently asked questions
How much can I withdraw safely?
The “Sustainable monthly withdrawal” figures show the most you can take out at the assumed return so the corpus lasts the full horizon, or forever. In practice keep a margin, because real returns vary from year to year.
How is an SWP taxed?
Each withdrawal redeems units; only the gain portion of the units sold is taxed. Turn on post-tax to estimate it with FIFO lots under the 2026-27 rules.
What happens when the corpus runs out?
The last withdrawal is partial and the calculator marks the month the corpus is exhausted.