SWP Calculator
Calculate how long your investments last with systematic monthly withdrawals.
Results
Monthly withdrawal
₹10.0K
Total withdrawn
₹12.00 L
Corpus at end
₹3.90 L
Corpus lasts beyond
10 years (full term)
Plan your retirement withdrawals in FlowTrack
Track your investment corpus in FlowTrack and plan your withdrawal phase. FlowTrack's goal tracking helps you monitor drawdown progress.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your mutual fund corpus every month. The remaining corpus continues to earn returns, which helps it last longer than a simple savings account. SWP is popular among retirees in India as an alternative to traditional pension income.
The key insight is the balance between withdrawal rate and investment return. If your corpus earns 8% annually and you withdraw 8% annually, the corpus remains stable. Withdraw more and it depletes; withdraw less and it grows. For a ₹1 crore corpus at 8% return, you can sustain a withdrawal of approximately ₹66,000/month indefinitely.
Unlike annuities, SWP keeps your money invested in market-linked instruments. Long-term capital gains (LTCG) on equity mutual funds beyond ₹1 lakh per year are taxed at 10%, which makes SWP more tax-efficient than FD interest for most investors in higher tax brackets.