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SWP Calculator

Drawing a fixed income from a corpus? See what monthly withdrawals leave behind after it keeps earning.

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yrs
Balance left —
Total withdrawn —

Estimates only. Actual returns may differ. Taxes, charges and changing rates can affect the outcome.

Drawing an income is a plan, not a guess. Let an advisor set it with you. Talk to an advisor

What is SWP?

A Systematic Withdrawal Plan does the opposite of a SIP: you take a fixed amount out of an invested corpus every month while the rest stays invested and keeps earning. It is a common way to draw a steady income in retirement.

How it's calculated

Each month the calculator grows the balance by one month of your expected return, then takes your withdrawal out at the end of that month, and repeats. The monthly return is the twelfth root of the annual one, so the rate you type is what the corpus earns over a year. If withdrawals outpace growth the balance falls; if growth is enough, the corpus can last indefinitely.

An example

Draw ₹30,000 a month from ₹50 lakh earning 8% and the growth covers much of what you take, so the corpus depletes slowly, or holds, depending on the numbers.

Questions people ask

Will my corpus run out?

It depends on the balance of withdrawals versus returns. Withdraw less than the corpus earns and it can last for good; withdraw more and it shrinks. This tool shows which side you are on.

Is an SWP tax-efficient?

Often more so than fully taxable interest, since each withdrawal is partly your own capital. The exact treatment depends on the fund and holding period, worth confirming with an advisor.

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