SWP Calculator
How long will your retirement corpus last?
Simulates steady returns. Real market ups and downs — especially early in retirement — can shorten or extend this.
How it works
We simulate month by month: the corpus grows by the expected return, then your withdrawal is subtracted. The simulation stops when the money runs out — showing exactly how long your corpus survives.
Example
₹1 crore withdrawing ₹1 lakh/month at 8% returns lasts about 14 years. Withdraw only ₹50,000/month and the same corpus can last indefinitely.
FAQs
What is an SWP in mutual funds?
A Systematic Withdrawal Plan auto-redeems a fixed amount from your fund monthly into your bank account — the reverse of a SIP, popular in retirement.
How is SWP taxed?
Each withdrawal counts as a redemption: equity gains taxed as STCG/LTCG, debt per slab. Only the gain portion is taxed, not the full withdrawal.
Should withdrawals rise with inflation?
Ideally yes — but higher withdrawals drain the corpus faster. Test both scenarios above before fixing your number.