SWP Calculator

Plan a monthly income from your investments and check the money lasts.

₹
₹
%
years
Balance at the end
₹34,22,799
Total withdrawn
₹36,00,000
Withdrawals lasted
20 yrs 0 mo

How it works

Each month the withdrawal is taken first, then the remaining balance grows at the expected return. If withdrawals are more than the growth, the balance shrinks, and the calculator shows when it runs out.

Example

₹10 lakh at 8% a year with ₹5,000 a month withdrawn for 10 years: yearly withdrawals of ₹60,000 are less than the ~₹80,000 of growth, so the balance ends above ₹10 lakh.

Tips

  • Keep withdrawals at or below the expected return if you want the capital to last indefinitely.
  • Use a lower, conservative return for retirement income.
  • Inflation raises your needs every year, so review the withdrawal annually.

Frequently asked questions

What is an SWP?

A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund every month while the rest stays invested.

Is SWP income taxable?

Each withdrawal counts as a redemption, so capital gains tax applies to the gains portion. Only part of each withdrawal is gain.

How do I make the money last forever?

Withdraw less than the fund's long-term growth after inflation. A lower withdrawal rate gives a bigger safety margin.

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