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SWP Calculator - Systematic Withdrawal Plan

Calculate your monthly withdrawals from mutual fund investments through Systematic Withdrawal Plan. Plan your retirement income, regular cash flow, and manage your corpus effectively.

Regular Monthly Income
Growth with Withdrawals
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SWP Investment Parameters

SWP Risk Considerations
Withdrawals reduce your investment corpus
Market fluctuations affect remaining corpus
High withdrawal rates may deplete corpus faster
Investment Corpus
₹
₹50,00,000
Minimum: ₹1,00,000 | Maximum: ₹5,00,00,000
Withdrawal Details
₹
₹25,000 per month
Withdrawal rate: 0.5% of corpus
Investment Parameters
%
10% per annum
Conservative: 8-10% | Moderate: 10-12% | Aggressive: 12-15%
Yrs
20 Years

Benefits of SWP

  • Regular Income: Steady monthly cash flow from your investments
  • Tax Efficiency: Only capital gains are taxed, not principal
  • Corpus Management: Balance continues to earn returns
  • Flexibility: Adjust withdrawal amounts as needed
  • Inflation Hedge: Potential for corpus growth above inflation
SWP Strategy Tips
Start with conservative withdrawal rate (3-4% of corpus)
Choose debt-oriented funds for stable returns in SWP
Monitor corpus regularly and adjust withdrawals if needed
Consider partial equity exposure for inflation protection

SWP Withdrawal Projection

20 Years Withdrawal Period
₹25,000
Monthly Withdrawal Amount
₹42,15,780
Remaining Corpus After Withdrawals
₹60,00,000
Total Withdrawals Over Period
₹50,00,000
Initial Corpus
10%
Expected Return
20 Years
Withdrawal Period
-15.7%
Corpus Change
₹3,00,000
Annual Withdrawal Amount

Corpus vs Withdrawals

Corpus vs Withdrawals Breakdown

SWP Insights

  • ✅ You withdraw ₹60L while retaining ₹42L corpus
  • ✅ Withdrawal rate: 6% annually (sustainable)
  • ✅ Corpus depletion: 15.7% over 20 years
  • 💡 Consider 4% withdrawal rate for longer sustainability
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Year-by-Year SWP Projection

YearOpening CorpusAnnual ReturnAnnual WithdrawalClosing CorpusCumulative Withdrawal
1₹50.00L₹5.09L₹3.00L₹52.09L₹3.00L
2₹52.09L₹5.31L₹3.00L₹54.41L₹6.00L
3₹54.41L₹5.56L₹3.00L₹56.96L₹9.00L
4₹56.96L₹5.82L₹3.00L₹59.79L₹12.00L
5₹59.79L₹6.12L₹3.00L₹62.91L₹15.00L
6₹62.91L₹6.45L₹3.00L₹66.35L₹18.00L
7₹66.35L₹6.81L₹3.00L₹70.16L₹21.00L
8₹70.16L₹7.21L₹3.00L₹74.36L₹24.00L
9₹74.36L₹7.65L₹3.00L₹79.01L₹27.00L
10₹79.01L₹8.13L₹3.00L₹84.14L₹30.00L
11₹84.14L₹8.67L₹3.00L₹89.81L₹33.00L
12₹89.81L₹9.26L₹3.00L₹96.07L₹36.00L
13₹96.07L₹9.92L₹3.00L₹1.03Cr₹39.00L
14₹1.03Cr₹10.64L₹3.00L₹1.11Cr₹42.00L
15₹1.11Cr₹11.44L₹3.00L₹1.19Cr₹45.00L
16₹1.19Cr₹12.33L₹3.00L₹1.28Cr₹48.00L
17₹1.28Cr₹13.30L₹3.00L₹1.39Cr₹51.00L
18₹1.39Cr₹14.38L₹3.00L₹1.50Cr₹54.00L
19₹1.50Cr₹15.58L₹3.00L₹1.63Cr₹57.00L
20₹1.63Cr₹16.89L₹3.00L₹1.77Cr₹60.00L

SWP vs Other Withdrawal Options

Parameter SWP FD Interest Rental Income Annuity Plans
Regular Income Fixed monthly payments Monthly/Quarterly interest Monthly rental income Fixed monthly payments
Corpus Preservation Corpus can grow or deplete Principal preserved Property value may appreciate No corpus preservation
Tax Efficiency Only gains taxed Interest fully taxable Rental income taxable Partially tax-free
Inflation Protection Potential for growth Fixed returns Rent can increase Fixed payments
Flexibility Adjust withdrawals Fixed terms Property management No flexibility
Best For Retirement planning Risk-averse investors Long-term wealth Guaranteed lifetime income

Why Choose Systematic Withdrawal Plan?

Regular Income

Get steady monthly income from your investments while keeping the remaining corpus invested for growth.

Growth Potential

Your remaining corpus continues to earn market returns, providing potential for growth above inflation.

Tax Efficiency

Only the capital gains portion of withdrawals is taxable, making it more tax-efficient than interest income.

Flexibility

Adjust withdrawal amounts, frequency, or stop withdrawals anytime based on your financial needs.

SWP Calculator - Frequently Asked Questions

Common Questions About SWP
What is a safe withdrawal rate from my corpus?
A safe withdrawal rate is typically 3-4% of your initial corpus annually. This helps ensure your corpus lasts through your retirement years while accounting for inflation and market fluctuations.
Can I change my SWP amount later?
Yes, most mutual funds allow you to modify your SWP amount, frequency, or stop the withdrawals entirely with a simple request to the fund house.
What happens if my corpus depletes faster than expected?
If market returns are lower than expected or withdrawal rates are too high, your corpus may deplete faster. It's important to monitor regularly and adjust withdrawals if needed to preserve your corpus.
Which type of funds are best for SWP?
Debt-oriented hybrid funds or balanced advantage funds are often recommended for SWP as they provide relatively stable returns. However, some equity exposure is recommended for inflation protection.
How is SWP taxed?
SWP withdrawals are subject to capital gains tax. Each withdrawal is considered a partial redemption and taxed based on the holding period and type of fund (equity or debt).
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