The SWP (Systematic Withdrawal Plan) Calculator is the ultimate tool for generating a regular monthly 'salary' from your mutual fund investments. Instead of placing your retirement money in low-yielding Fixed Deposits (FDs), an SWP allows your core corpus to stay invested in the market, fighting inflation, while simultaneously paying you a fixed monthly income.
This calculator determines exactly how much you can safely withdraw every month and crucially projects the exact year your corpus will deplete if you over-withdraw.
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₹1L₹1Cr
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%
YRS
Capital Preservation
Maintain your initial capital while enjoying a regular income.
If your withdrawal rate (12.0%) is lower than your expected return (8%), your corpus will actually grow over time.
Final Corpus Value
₹3,90,180
Remaining balance after 10 years.
Total Withdrawn
₹12,00,000
Your total passive income
Portfolio Growth
₹5,90,180
Total wealth gained
Fund Anatomy
Withdrawals
75%
Corpus Left
25%
Passive Income Dynamics
Withdrawal vs Growth
Withdrawals happen monthly while the remaining corpus continues to compound at 8% annually.
Sustainability
A sustainable SWP usually aims for a 4-6% withdrawal rate to ensure the core corpus lasts beyond 10 years.
Duration: 10 Years
Expected Return: 8%
Withdrawal Timeline
Detailed breakdown of your fund balance and withdrawals
Year
Opening Balance
Interest Earned
Withdrawn
Closing Balance
Year 1
₹10,00,000
₹78,500
₹1,20,000
₹9,58,500
Year 2
₹9,58,500
₹75,056
₹1,20,000
₹9,13,556
Year 3
₹9,13,556
₹71,325
₹1,20,000
₹8,64,881
Year 4
₹8,64,881
₹67,285
₹1,20,000
₹8,12,167
Year 5
₹8,12,167
₹62,910
₹1,20,000
₹7,55,077
Year 6
₹7,55,077
₹58,172
₹1,20,000
₹6,93,249
Year 7
₹6,93,249
₹53,040
₹1,20,000
₹6,26,289
Year 8
₹6,26,289
₹47,482
₹1,20,000
₹5,53,771
Year 9
₹5,53,771
₹41,463
₹1,20,000
₹4,75,235
Year 10
₹4,75,235
₹34,945
₹1,20,000
₹3,90,180
Income Strategy
The Passive Income Playbook.
Retirement is not about the corpus; it's about the sustainable withdrawal rate. Master the math of infinite income.
The 4% Rule
Withdraw 4% of your initial corpus adjusted for inflation to make it last 30+ years.
Tax Efficiency
In SWP, only the 'growth' part is taxed as Capital Gains, not the 'principal' component.
A global standard for retirees, the 4% rule suggests that if you withdraw 4% of your initial corpus annually (adjusted for inflation), your money has a high probability of lasting 30 years. For a ₹1 Crore corpus, this translates to a starting monthly income of ~₹33,000.
Why SWP Beats Fixed Deposits in Tax
In an FD, the entire interest earned is taxed at your income slab. In an SWP, only the 'Capital Gain' portion is taxed. Since each withdrawal includes a large part of your own principal, your effective tax rate is significantly lower.
The Retirement Bucket Strategy
To manage market volatility, experts recommend dividing your corpus into three buckets:<br/>1. Liquid Bucket: 2-3 years of expenses in safe FDs for immediate SWP.<br/>2. Debt Bucket: 4-7 years of expenses in debt funds for stability.<br/>3. Equity Bucket: Remaining amount for long-term growth to beat inflation.
Frequently Asked Questions
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.
MH
Verified Contributor
SWP Calculator 2026 – ₹0.1L/mo Retirement Income Planner analyzed by Mahavir Hirani
I verified this calculation against the April 2026 Fiscal Cycle. If you have questions about the logic, reach out via the Author Page.
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