SWP Calculator
Plan a steady monthly income from your corpus. See exactly how long your money lasts.
What is SWP?
A Systematic Withdrawal Plan (SWP) calculator shows how long a lump-sum corpus will sustain regular monthly withdrawals, given an assumed return rate.
Worked example
₹50,00,000 corpus earning 8% p.a., withdrawing ₹30,000/month, lasts ~30+ years, your money outlives expectations when returns beat withdrawal rate.
Frequently asked questions
Is SWP better than FD for retirement income?
SWP on equity/hybrid funds often beats FD after tax, but is riskier. Balance between them based on your risk comfort.
How is SWP taxed?
Only the gain portion of each withdrawal is taxed. Equity funds: LTCG 12.5% above ₹1.25L/year. Debt: at slab rate (post-2023 rules).
What's a safe withdrawal rate?
The '4% rule' is a common benchmark, withdraw 4% of the corpus per year. In Indian context, 5–6% is often considered sustainable given equity returns.