SWP Calculator
You built the corpus with a SIP. Now spend it wisely: how much can you withdraw every month without running dry? Free, private, no signup.
Your withdrawal plan
Money stays invested while you withdraw — keep this realistic.
After 20 years
Total withdrawn-
Balance remaining-
Money lasts-
Corpus over time
The one rule of SWPs: withdraw less than you earn
A Systematic Withdrawal Plan is a SIP in reverse: instead of investing monthly, you withdraw monthly while the rest stays invested. Whether the money lasts comes down to one comparison — your withdrawal rate vs your return rate.
- The 4% rule of thumb. Withdrawing ~4% of the corpus per year (₹33,000/month on ₹1 crore) has historically let portfolios survive 25–30 years. Withdraw 8%+ and you are eating principal — try it above and watch the line dive.
- Returns matter more than you think. At 8% return, ₹50 lakh funding ₹30,000/month still has ₹62 lakh left after 20 years — you withdrew ₹72 lakh and the corpus grew. At 4% return, the same plan runs dry.
- Inflation is the silent withdrawal. ₹30,000/month today needs to be ~₹54,000 in 20 years at 3% inflation to buy the same things. Either raise withdrawals yearly or start with a buffer.
Tax on SWP withdrawals
Each SWP instalment is treated as a redemption: for equity funds, gains on units held over 1 year are taxed at 12.5% above ₹1.25 lakh/year; shorter holdings at 20%. Debt funds are taxed at your slab rate. Unlike a pension, there is no TDS — you settle it in your return.
FAQs
SWP vs monthly dividend plans?
SWP wins for most people: you control the amount and timing, and dividends are neither assured nor tax-efficient (taxed at slab rate). SWP redemptions get capital-gains treatment, which is usually lighter.
What happens if markets crash early in my SWP?
This is sequence-of-returns risk — withdrawing during a crash locks in losses on more units. Mitigations: keep 1–2 years of withdrawals in a liquid fund, and pause or trim withdrawals after a bad year.
Can I change or stop the withdrawal amount?
Yes — SWP amount, frequency and date are all changeable, and you can pause or stop anytime. The remaining corpus stays invested.
Is SWP good for retirement income?
It is one of the most popular retirement-income tools in India precisely because it is flexible and tax-efficient. Pair it with guaranteed income (SCSS, POMIS, annuity) for the non-negotiable expenses.
Is my data sent anywhere?
No. Everything is computed in your browser; nothing leaves your device.
Disclaimer: Estimates for illustration, computed in your browser — no data leaves your device. Market returns fluctuate; actual SWP outcomes depend on real return sequences. Verify tax rules with your fund house.