Free SWP Calculator — Plan Monthly Withdrawals from Mutual Funds
Planning retirement income or regular cash flow from your mutual fund investment? Use the SWP calculator to see exactly how long your corpus lasts with monthly withdrawals and what total returns you earn.
Built for retirees and anyone planning regular income from mutual fund investments.
Corpus Sustainability Check
Find out how long your invested corpus lasts at any monthly withdrawal amount and return rate.
Retirement Income Planning
Plan a reliable monthly income stream from your mutual fund investments without depleting principal.
Total Earnings View
See total amount withdrawn vs total corpus growth — understand if withdrawals are sustainable long-term.
How to Use the SWP Calculator
Three inputs to plan your entire retirement income strategy.
1
Enter Your Corpus Amount
Input the total mutual fund corpus you have — this is the starting investment amount from which you'll withdraw monthly.
2
Set Monthly Withdrawal Amount
Enter how much you want to withdraw each month as income — ₹10,000, ₹25,000, or any amount.
3
Choose Return Rate & Period
Set the expected annual return your corpus continues to earn. Higher return means corpus lasts longer.
The SWP Calculation Formula
How the SWP calculator tracks your corpus month by month.
SWP Calculation Formula
Balance(n) = Balance(n-1) × (1 + r) - W
Where Balance(n) = corpus remaining after month n, r = monthly return rate (annual rate ÷ 12), W = monthly withdrawal amount. The corpus grows each month through returns while reducing by the withdrawal. The calculator runs this month by month to show corpus depletion or growth.
Frequently Asked Questions
Everything you need to know about SWP and planning withdrawals from mutual funds.
SWP or Systematic Withdrawal Plan is a facility offered by mutual funds that allows investors to withdraw a fixed amount at regular intervals — typically monthly. Unlike selling all units at once, SWP lets you withdraw only what you need while the remaining corpus continues to earn returns. It is the mirror image of SIP: while SIP invests regularly, SWP withdraws regularly. SWP is widely used for retirement income, children's education expenses, or any regular cash flow need.
SWP and mutual fund dividends (now called IDCW — Income Distribution cum Capital Withdrawal) both provide regular cash flow, but they work differently. In SWP, you control the amount and frequency of withdrawal; units are redeemed based on NAV. In IDCW, the fund house declares dividends from profits — amounts vary and are not guaranteed. SWP is more predictable and tax-efficient since LTCG tax rules apply to each withdrawal based on its holding period.
A commonly cited safe withdrawal rate is 4% annually of your total corpus (the 4% rule from retirement research). So for a ₹1 crore corpus, a safe monthly withdrawal is around ₹33,000 (4% of ₹1 crore = ₹4 lakh/year ÷ 12). However, in India with equity returns averaging 10-12%, a slightly higher withdrawal rate of 5-6% can be sustainable, especially with a diversified portfolio. Use the SWP calculator to test different scenarios.
Yes. Each SWP withdrawal is treated as a redemption of mutual fund units. For equity funds: STCG (units held < 12 months) taxed at 15%; LTCG (units held > 12 months) above ₹1 lakh taxed at 10%. For debt funds: taxed as per your income tax slab. Unlike bank FD interest (fully taxable), only the gain portion of each redemption is taxed — the principal portion is tax-free. This makes SWP more tax-efficient than FD for high-income individuals.
For SWP, typically choose funds with lower volatility: Balanced Advantage Funds / Dynamic Asset Allocation Funds (automatically reduce equity in high markets), Conservative Hybrid Funds (25-30% equity, rest debt), Equity Savings Funds, or Arbitrage Funds (for short-term, tax-efficient withdrawals). Avoid pure small-cap or mid-cap funds for SWP as volatility can deplete corpus during corrections. AMCs like SBI, HDFC, and ICICI Prudential offer popular SWP-friendly funds.
Not directly in the same way. NPS (National Pension System) allows systematic withdrawals after retirement but has rules on how much can be withdrawn and how much must be annuitised. ULIPs have their own partial withdrawal rules which vary by insurer and plan. For flexible SWP with tax efficiency and liquidity, mutual funds remain the preferred vehicle. Most Tier-1 AMCs offer online SWP setup with as little as ₹1,000 per month minimum withdrawal.
Plan Your Retirement Income with SWP
Free, instant SWP calculation. No account needed — just results.