What is an SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment at regular intervals, usually monthly, while the remaining balance stays invested and continues to earn returns. It is a popular way to create a regular income from a lump sum, especially in retirement.

How long will my money last with an SWP?

It depends on your corpus, how much you withdraw each month, and the return your remaining balance earns. If your withdrawals are lower than the returns your corpus generates, the balance can last indefinitely or even grow. If you withdraw more than it earns, the corpus depletes over time. This calculator shows exactly how long it lasts.

Is SWP better than a lump-sum withdrawal?

An SWP keeps your money invested and earning while giving you a steady income, which can be more tax-efficient and longer-lasting than withdrawing a lump sum. Only the gains portion of each withdrawal is taxed, and the remaining corpus continues to compound.

How is SWP taxed in India?

In an SWP, each withdrawal is treated as a partial redemption, and only the capital gains portion is taxed, not the whole amount. The applicable rate depends on the fund type and how long the units were held. This makes SWPs relatively tax-efficient compared with fully taxable interest income.

SWP Calculator

How long will my money last?

See the monthly income a Systematic Withdrawal Plan can pay you — and how long your corpus lasts.

Balance after 20 years

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Total withdrawn

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Your money lasts

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Figures are indicative estimates for planning only, based on the inputs and assumptions you provide, and are not guaranteed returns or financial advice. Mutual fund returns are market-linked and vary; actual outcomes depend on fund performance and the plan you choose.

📊 How this SWP figure is calculated

A Systematic Withdrawal Plan (SWP) pays you a fixed amount each month from your investment, while the balance you haven't withdrawn keeps earning returns. The calculator runs your plan month by month:

Each month, your balance earns first. The remaining corpus grows by one month's worth of your expected return.
Then your withdrawal is taken out. Your fixed monthly amount is subtracted from the grown balance.
This repeats for every month of your chosen period — so we can see whether the corpus grows, holds steady, or runs out, and exactly when.

The key insight: if your monthly withdrawal is smaller than what your corpus earns each month, the balance can last indefinitely or even grow. If you withdraw more than it earns, the corpus depletes — and the calculator shows the year it runs out.

SWP Calculator: turn your investment into monthly income

A Systematic Withdrawal Plan (SWP) is the mirror image of a SIP. Instead of investing a fixed amount every month, you withdraw a fixed amount every month from a lump sum you've already invested — typically in a mutual fund — while the rest stays invested and keeps growing. It's one of the most popular ways for retirees and anyone wanting passive income to draw a steady, tax-efficient monthly cash flow from their savings.

How the SWP calculator works

Enter your total investment, the monthly amount you want to withdraw, the return you expect your balance to earn, and the time period. The calculator simulates every month — growing your balance by the return, then subtracting your withdrawal — to show how much you'll have withdrawn in total, the balance remaining at the end, and crucially, how long your money will last. If your withdrawals stay below your returns, your corpus can even keep growing while paying you an income.

SWP vs SIP vs lump sum

A SIP builds wealth by investing regularly; an SWP does the opposite by paying you a regular income from wealth you've built. Compared with withdrawing a lump sum all at once, an SWP keeps your money invested and compounding, gives you a predictable monthly income, and is usually more tax-efficient — because only the gains portion of each withdrawal is taxed, not the entire amount.

SWP for retirement income

Many retirees use an SWP as a flexible alternative or complement to an annuity pension. Unlike an annuity, an SWP keeps your capital in your control, lets you change or stop withdrawals anytime, and can pass the remaining corpus to your heirs. To plan the full picture, size your target corpus with our retirement calculator, then use this SWP calculator to see the income it can sustainably pay.

How much can I withdraw without running out of money?

A common guideline is to withdraw only as much as your corpus earns, so the capital stays intact. For example, a ₹50 lakh corpus earning around 10% could sustainably support a withdrawal of roughly ₹30,000–₹40,000 a month for a very long time. Withdrawing more than your returns will gradually deplete the corpus — the calculator above shows exactly when.

Is SWP income guaranteed?

No. SWP withdrawals come from market-linked investments, so the returns that sustain them are not guaranteed. In years when markets fall, a fixed withdrawal draws down more of your capital. That's why a sensible withdrawal rate and a suitable fund mix matter.

Can I change my SWP amount later?

Yes. One of the biggest advantages of an SWP over a fixed annuity is flexibility — you can increase, decrease, pause or stop your withdrawals at any time, and the remaining corpus stays invested and yours.