SWP Calculator — India (₹)

Calculate how long your retirement corpus will last with a monthly Systematic Withdrawal Plan. Find the maximum sustainable withdrawal amount and see year-wise corpus depletion.

💸 SWP Details
Max sustainable withdrawal: ₹41,667/mo
✅ Your withdrawal of ₹30,000/month is sustainable. Corpus keeps growing!
Final Corpus after 20 Years₹1,38,59,303
Total Withdrawn₹72,00,000
Initial Corpus₹50,00,000
Max Sustainable SWP₹41,667/mo
📅 Corpus Balance Over Time
MonthGrowthWithdrawalBalance
M1 (Yr 1)+₹41,667-₹30,000₹50,11,667
M2 (Yr 1)+₹41,764-₹30,000₹50,23,431
M3 (Yr 1)+₹41,862-₹30,000₹50,35,292
M4 (Yr 1)+₹41,961-₹30,000₹50,47,253
M5 (Yr 1)+₹42,060-₹30,000₹50,59,314
M6 (Yr 1)+₹42,161-₹30,000₹50,71,475
M7 (Yr 1)+₹42,262-₹30,000₹50,83,737
M8 (Yr 1)+₹42,364-₹30,000₹50,96,101
M9 (Yr 1)+₹42,468-₹30,000₹51,08,569
M10 (Yr 1)+₹42,571-₹30,000₹51,21,140
M11 (Yr 1)+₹42,676-₹30,000₹51,33,816
M12 (Yr 1)+₹42,782-₹30,000₹51,46,598
M24 (Yr 2)+₹44,120-₹30,000₹53,08,547
M36 (Yr 3)+₹45,599-₹30,000₹54,87,455
M48 (Yr 4)+₹47,232-₹30,000₹56,85,096
M60 (Yr 5)+₹49,037-₹30,000₹59,03,433
M72 (Yr 6)+₹51,030-₹30,000₹61,44,632
M84 (Yr 7)+₹53,232-₹30,000₹64,11,088
M96 (Yr 8)+₹55,665-₹30,000₹67,05,446
M108 (Yr 9)+₹58,352-₹30,000₹70,30,627
M120 (Yr 10)+₹61,321-₹30,000₹73,89,858
M132 (Yr 11)+₹64,601-₹30,000₹77,86,706
M144 (Yr 12)+₹68,224-₹30,000₹82,25,109
M156 (Yr 13)+₹72,227-₹30,000₹87,09,418
M168 (Yr 14)+₹76,648-₹30,000₹92,44,441
M180 (Yr 15)+₹81,533-₹30,000₹98,35,487
M192 (Yr 16)+₹86,929-₹30,000₹1,04,88,424
M204 (Yr 17)+₹92,890-₹30,000₹1,12,09,732
M216 (Yr 18)+₹99,476-₹30,000₹1,20,06,571
M228 (Yr 19)+₹1,06,751-₹30,000₹1,28,86,849
M240 (Yr 20)+₹1,14,788-₹30,000₹1,38,59,303

What is a Systematic Withdrawal Plan (SWP)?

An SWP (Systematic Withdrawal Plan) is a facility offered by mutual funds in India that allows you to withdraw a fixed amount from your investment corpus at regular intervals — monthly, quarterly, or annually. It is the reverse of SIP: instead of investing regularly, you withdraw regularly from an existing corpus.

SWP is widely used in India by retirees who need a regular income from their accumulated wealth. For example, if you have a ₹1 crore corpus at retirement and set up a ₹50,000/month SWP from a balanced fund earning 10% annually, the corpus continues growing while you receive income — and may last 30+ years before depleting.

How to Use This SWP Calculator

  • Corpus Amount: Enter your current investment corpus (e.g., ₹50,00,000).
  • Monthly Withdrawal: Enter how much you want to withdraw every month (e.g., ₹30,000).
  • Expected Return: Enter the annual return rate of your investment (e.g., 10% for a balanced mutual fund).
  • Period: Enter how long you need the income — typically your remaining years post-retirement.
  • Result: The calculator shows whether your corpus is sustainable, month-wise corpus value, and the maximum safe withdrawal amount.

Key Factors That Affect SWP Sustainability in India

  • Withdrawal Rate: The "4% rule" — withdrawing 4% of corpus annually — is widely cited as sustainable for 30 years. For a ₹1 crore corpus, this is ₹4 lakh/year or ₹33,333/month.
  • Return Rate: A corpus in equity/balanced funds earning 10–12% sustains higher withdrawals than one in FDs at 7%. Higher return = longer corpus life.
  • Inflation: If you don't increase withdrawals with inflation, your real purchasing power declines. A ₹30,000 monthly withdrawal will feel like ₹10,000 in 20 years at 6% inflation.
  • Corpus Size: The larger the starting corpus, the more margin you have. Building a larger corpus during earning years (via SIP) gives more SWP flexibility in retirement.

Tips for Managing SWP Effectively in India

  • Keep 2 years of expenses in liquid/debt funds: Don't withdraw from equity in market downturns. Keep a buffer in liquid funds and draw from it during bad markets, allowing equity to recover.
  • Use multiple funds: Split corpus between equity (for growth), balanced (for stability), and debt (for safety). Withdraw from debt/balanced first; let equity grow.
  • Increase withdrawal for inflation: Increase your monthly SWP by 5–6% every year to maintain purchasing power as prices rise.
  • Consider annuity + SWP combination: Use a portion of corpus (30–40%) to buy a SEBI-regulated NPS annuity for guaranteed income, and use SWP for the remainder for flexibility.

Disclaimer: SWP projections are estimates based on assumed return rates. Actual returns may vary. The corpus depletion timeline depends on market performance. Consult a SEBI-registered financial advisor before planning your retirement withdrawal strategy.