SWP calculator
Retired, or planning a monthly income from your savings? A Systematic Withdrawal Plan pays you a fixed amount every month from a mutual fund while the remaining money keeps growing. This SWP calculator shows whether your corpus survives the period you choose, how much you'll withdraw in total, and what's left at the end — including the effect of raising withdrawals each year to keep up with inflation.
How to use it
- Enter the amount invested and the monthly withdrawal you want.
- Set the expected return and the period.
- Optionally increase withdrawals each year to match inflation.
How it works
Each month: balance grows by (return ÷ 12), then the withdrawal is paid out
Example
A retiree invests ₹50 lakh and withdraws ₹30,000 a month (7.2% a year) at an 8% return. With flat withdrawals the corpus slowly grows and lasts the full 25 years. Raise the withdrawal by 6% every year for inflation and it runs out after about 17 years — showing why the starting withdrawal rate matters so much. Work out the corpus you need with the retirement calculator, or build it with a SIP.
Disclaimer: Results are estimates for educational purposes only and are not financial, investment or tax advice. Please verify with your bank, broker or a SEBI-registered adviser before acting. Read the full disclaimer.