💸 SWP Calculator

Systematic Withdrawal Plan for regular income

Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount monthly from your mutual fund while the remaining corpus continues to grow. Ideal for retirees needing regular income. Keep withdrawal rate below returns to avoid depleting your corpus.

⚠️ Important Legal Notice

Market Risk: SWP from mutual funds is subject to market risks. Actual returns may be significantly higher or lower.
Tax Implications: Withdrawals may attract capital gains tax. Consult a tax advisor for your situation.
Not Investment Advice: This is not a recommendation to invest. Past performance is not indicative of future returns.

Lump Sum Investment

Monthly Withdrawal

Expected Return (%)

Withdrawal Period (Years)

Remaining Balance

Total Withdrawn -

💡 SWP Tip

Keep withdrawal rate below expected returns to ensure your corpus lasts longer.

Shows when your balance drops by 10%, 20%, etc.

🎲 Monte Carlo Simulation

See withdrawal sustainability probability

📋 Assumptions Used v1.0

View full assumptions changelog →

Expected Returns (Default 8%): Assumed portfolio return. Debt: ~7%, Hybrid: ~9%, Equity: ~12%.
Withdrawal Frequency: Monthly withdrawals at month-start.
Tax: SWP withdrawals are capital gains — LTCG 12.5% for equity (above ₹1.25L).
Inflation: Not adjusted. Real purchasing power of withdrawals will decrease over time.
Monte Carlo: Uses 15% volatility assumption for simulation.

Data verified: January 2026

🧮 How This Calculator Works

Inputs:

Lump Sum (C): Initial corpus invested
Monthly Withdrawal (W): Amount withdrawn monthly
Rate (r): Expected annual return
Years (n): Withdrawal period

Logic:

Each month: Balance = Previous Balance × (1 + r/12) - W

Interpretation:

Remaining Balance: What's left after all withdrawals.
Total Withdrawn: W × 12 × n = income received.
Depletion: If withdrawals > growth, corpus depletes.

Keep withdrawal rate below expected returns to sustain corpus.