My Money

SWP calculator — systematic withdrawal plan

An SWP turns a lump sum into a monthly paycheck while the rest stays invested. Take out less than it earns and it can last forever; take out more and it slowly runs down.

₹
₹50 lakh
₹
7.2% of the corpus a year
 %
Hybrid/balanced funds 8–10% · Debt 6–7%
 yrs
 %
Match inflation to keep the same lifestyle
Left after 20 years
₹88,56,503
You’ll withdraw ₹72,00,000 in total and still have ₹88.57 L invested
Withdrawal rate
7.2%
Sustainable forever
₹36,037
Total withdrawn
₹72,00,000

Balance vs money taken out

0₹25 L₹50 L₹75 L₹1 CrYr 0Yr 4Yr 8Yr 12Yr 16Yr 20
Balance leftWithdrawn so far
You’re taking out less than the corpus earns, so it keeps growing. Up to ₹36,037 a month would leave the principal untouched.
From mutual funds, each SWP instalment is partly your capital and partly gains — only the gains part is taxed, which usually makes SWP more tax-efficient than FD interest.
How it’s calculated

The maths, in plain words

Each month

The balance earns a month’s return, then your withdrawal is paid out.

Rising income

Raising the withdrawal each year keeps up with prices but uses up the corpus faster.

Sustainable amount

Withdrawing no more than one month’s return each month keeps the principal intact (though not its buying power).

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

How much can I withdraw monthly from ₹1 crore?
At a 9% return, about ₹72,000 a month keeps the ₹1 crore intact. If you want the income to rise with inflation for 30+ years, start nearer ₹27,000–33,000 (a 3.3–4% withdrawal rate).
Is SWP better than FD interest?
Often, for taxes: each SWP payment is part capital (not taxed) and part gains, while all FD interest is taxed at your slab rate. But fund values move with markets.
Which funds suit an SWP?
Usually balanced or hybrid funds, or a mix of equity and debt funds, so a market fall doesn’t force you to sell much equity at low prices.
Understand it

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