Inflation step-up
Raise your withdrawal by a set percentage each year, so your income keeps its buying power.
Plan a regular income from your mutual fund corpus
SWP CalculatorSystematic Withdrawal Plan Returns & Balance
Use this free SWP calculator to see how long your investment lasts when you withdraw a fixed amount every month. It shows your final balance, total withdrawals and returns, adds yearly step-ups for inflation, and finds the highest safe withdrawal for any period.
- Inflation step-up
- How long money lasts
- Safe withdrawal finder
- Year-wise schedule
Corpus balance over time
20 years at 10% returnRemaining balanceTotal withdrawn so far
| Year | Withdrawn | Returns | Balance |
|---|
Why this tool
An SWP Calculator Built for Real Retirement Planning
Most SWP calculators assume you withdraw the same amount forever. Real expenses rise every year, so this tool plans for that and tells you exactly when the money would run out.
How long it lasts
If withdrawals are too high, the tool shows the exact year and month your corpus runs out.
Safe withdrawal finder
Find the highest amount you can withdraw for your chosen period, with or without keeping your capital intact.
Monthly, quarterly or yearly
Match the withdrawal frequency your fund house offers and see the effect instantly.
Interactive chart and schedule
Hover the chart for any year, and check the table for yearly withdrawals, returns and balance.
Private and instant
All calculations run in your browser. No sign-up, no email and nothing stored.
How to use
How to Use the SWP Calculator
Results update as you type or drag, so you can compare plans quickly.
Choose what to find
Check a plan you already have in mind, or find the highest safe withdrawal.
Enter your corpus
Add the amount you will invest in the fund, such as your retirement savings.
Set the withdrawal
Pick monthly, quarterly or yearly, and enter the amount you want to receive.
Add return and period
Use a realistic expected return and the number of years you need income.
Add a step-up
Enter a yearly increase such as 5% to match inflation. Then review the chart and schedule.
How it works
How Is SWP Calculated?
With a systematic withdrawal plan, you invest a lump sum in a mutual fund and redeem a fixed amount at regular intervals. Meanwhile, the money that stays invested keeps earning returns.
Each month, the calculator grows your balance by the monthly equivalent of your yearly return and then subtracts your withdrawal. If you choose a step-up, the withdrawal rises once a year.
Worked example
Suppose you invest ₹10 lakh at an expected return of 8% a year and withdraw ₹10,000 a month for 10 years. You receive ₹12 lakh in total, earn about ₹5.58 lakh in returns, and still have roughly ₹3.58 lakh left at the end.
Why the step-up matters
A fixed withdrawal loses value as prices rise. For instance, ₹30,000 today may buy far less in 15 years. A yearly step-up protects your lifestyle, although it uses up the corpus faster.
SWP formula
Balance = Balance × (1 + r) − W
- r: monthly rate, equal to (1 + yearly return)^(1/12) − 1.
- W: withdrawal for the period, raised by the step-up once a year.
- Repeat: for every month of the plan, or until the balance reaches zero.
- Returns earned: final balance + total withdrawn − corpus.
- Withdrawal rate: first-year withdrawals ÷ corpus.
| From ₹50 lakh at 10% | Balance after 20 yrs |
|---|---|
| ₹30,000 a month, fixed | ₹1.21 crore |
| ₹30,000 a month, +5% a year | ₹29.8 lakh |
| ₹40,000 a month, fixed | ₹49.1 lakh |
| ₹50,000 a month, +5% a year | Runs out after 11 yrs |
Choosing an amount
What Is a Safe Withdrawal Rate?
Your withdrawal rate is the share of your corpus you take out in the first year. The lower it is, the longer your money is likely to last.
Many planners treat 4% to 6% a year as a cautious starting range for long retirements. However, the right rate depends on your returns, inflation, time horizon and other income. Use the Safe withdrawal mode to test your own numbers.
Remember: market returns are not fixed. A few bad years early in retirement can shorten how long your money lasts, so keep some buffer.
Tax
How Is SWP Taxed?
Each SWP payment is a redemption of fund units. Only the gain part of each redemption is taxed, not the whole amount, which often makes SWP more tax-efficient than interest income.
The tax rate depends on the fund type and how long you held the units. Equity funds and debt funds are taxed differently, so check the current capital gains rules or ask a tax adviser.
Also, some funds charge an exit load on early redemptions. Therefore, start an SWP after the exit load period where possible.
Benefits
Benefits of Using This SWP Calculator
- Plan a steady retirement income from your savings.
- Avoid running out of money too early.
- Test the effect of inflation on your withdrawals.
- Compare monthly, quarterly and yearly payouts.
- Find how much you can take out while keeping capital.
- Share a clear plan with your family or adviser.
FAQ
SWP Calculator FAQs
Answers to common questions about systematic withdrawal plans.
What is an SWP calculator?
An SWP calculator estimates how your mutual fund investment changes when you withdraw a fixed amount at regular intervals. It shows the final balance, total withdrawals, returns earned and whether the money lasts for your chosen period.
How is SWP calculated?
Each period, the remaining balance earns returns and then the withdrawal is subtracted. The calculator repeats this for every month of the plan, raising the withdrawal once a year if you add a step-up.
How much can I withdraw monthly from ₹50 lakh?
It depends on returns, time and inflation. At a 10% return over 20 years, about ₹30,000 a month rising 5% a year still leaves a balance. Use the Safe withdrawal mode to find the exact maximum for your inputs.
Is SWP better than a fixed deposit for regular income?
SWP from a mutual fund can offer higher long-term returns and better tax treatment, because only the gain in each withdrawal is taxed. However, returns are not guaranteed, while FD interest is fixed. Many retirees use both.
What is a good SWP withdrawal rate?
For long retirements, a first-year withdrawal of about 4% to 6% of the corpus is often treated as cautious. Higher rates can work for shorter periods, but they increase the risk of running out.
Should I use a step-up in my SWP?
A step-up raises your withdrawal each year so your income keeps pace with inflation. It is useful for retirement income, but it uses the corpus faster, so test it in the calculator first.
Which mutual funds are best for SWP?
Many investors use balanced advantage, hybrid or conservative funds for SWP because they aim for steadier returns. The right choice depends on your risk appetite and time horizon, so consider speaking to a financial adviser.
Can I stop or change my SWP?
Yes. Most fund houses let you stop, pause or change the amount and frequency of an SWP by submitting a request online or through your distributor.
Turn Your Savings Into a Reliable Income
A clear withdrawal plan brings peace of mind. Use the SWP calculator to find an income that lasts as long as you need it.
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This SWP calculator assumes a constant return for illustration. Mutual fund returns are market-linked and not guaranteed, and taxes, exit loads and expenses are not included. Please read scheme documents and consult a financial adviser before investing.