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About the SWP Calculator
A Systematic Withdrawal Plan reverses a SIP: you hold a corpus in a fund and redeem a fixed amount every month. It is the standard way to convert retirement savings into an income, and it is more tax efficient than most alternatives because only the capital gain inside each redemption is taxed.
The key number is the sustainable withdrawal. Take less than the corpus earns and the balance keeps growing forever; take more and you are eating capital, and this calculator tells you exactly when it runs out.
The formula
Simulated month by month, so partial-year exhaustion is captured exactly.
Things worth knowing
Frequently asked questions
A Systematic Withdrawal Plan lets you redeem a fixed amount from a mutual fund at set intervals while the rest stays invested and continues to grow. It is commonly used to generate a retirement income.
As a rule, keep annual withdrawals below the expected return — often 6–8% of the corpus a year. The sustainable figure for your inputs is shown above.
Usually after tax. FD interest is taxed in full at your slab rate, whereas only the capital gain component of an SWP redemption is taxed, and long-term equity gains are taxed at 12.5% above the annual exemption.
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