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.
₹
₹1L₹1Cr
₹
%
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Total Withdrawn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Withdrawn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.
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)](/calculator/fd), 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.
How Systematic Withdrawals Work
An SWP works opposite to a SIP. Every month, the Asset Management Company (AMC) sells a specific number of mutual fund units to generate cash, transferring your requested amount directly to your bank account.
Remaining Corpus = [Previous Corpus × (1 + r/12)] − Monthly Withdrawal
Where:
• r: Expected Annual Return Rate (e.g., 10%)
• Monthly Withdrawal: The fixed cash payout you demand
• Safe Withdrawal Rate (SWR): Usually kept below 6% in India
Corpus Growth: If your mutual fund generates a 10% return and you only withdraw 6% a year, your total corpus actually GROWS while simultaneously paying you an income.
Corpus Depletion: If you demand an aggressive 12% withdrawal rate from a fund returning 10%, your principal will bleed every month and eventually hit zero.
Tax Efficiency: Because an SWP withdrawal represents a mix of your own principal and capital gains, the tax burden is drastically lower than fixed deposit interest.
Example: The 8% Withdrawal Trap vs the 6% Safe Rate
Ramesh retires at 60 with ₹50 Lakhs in a hybrid mutual fund expected to return 10% annually. Scenario A: Aggressive 8.4% Withdrawal (₹35,000 / month) • His ₹50 Lakhs corpus grows to ₹55.5 Lakhs after 5 years, but the math shows it will eventually deplete in roughly 26 years (age 86). Scenario B: Safe 6% Withdrawal (₹25,000 / month) • Because his withdrawal (6%) is far lower than his return (10%), his corpus skyrockets to ₹1.8 Crores in 20 years, creating massive generational wealth while still paying for his daily life.
Corpus: ₹50,00,000
Return: 10% p.a.
Safe Withdrawal Result: Corpus compounds indefinitely
Aggressive Result: Corpus hits zero in 26 years
SWP vs Bank FD for Retirement
Why modern retirees avoid Fixed Deposits:
Feature
Mutual Fund SWP
Bank Fixed Deposit
Income Adjustments
Fully flexible, can stop or increase anytime
Rigid, locked payout amount
Capital Control
Can withdraw entire corpus in an emergency
Heavy penalties for breaking early
Tax Liability
LTCG applies only on the 'gain' portion (highly efficient)
Entire interest taxed at your highest slab rate (e.g., 30%)
Inflation Protection
Underlying equity beats inflation
Corpus rots as inflation erodes purchasing power
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 for ₹10.0 Lakh Corpus — Calculate Monthly Retirement Income 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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