SWP Calculator
Model monthly withdrawals from an invested corpus that keeps earning a constant assumed return. See whether the corpus lasts your horizon, when it might hit zero, and a rough maximum sustainable monthly withdrawal.
Inputs
Results
Corpus at end of period
Year-by-year breakdown
| Year | Start | Withdrawn | End |
|---|
SWP in context
A systematic withdrawal plan sells units each month to fund a fixed cash amount โ unlike dividends, you control the amount (subject to available units and fund rules). Returns are not constant; we use one rate for illustration.
The 4% rule (popular in the US) is a rough withdrawal heuristic from a stock-heavy portfolio โ inflation and market crashes can break simple rules; Indiaโs inflation and product mix differ.
Tax: SWP is often discussed as potentially tax-efficient versus arbitrary dividend choices because you withdraw based on cost basis โ confirm with a CA for equity/debt fund rules.
Frequently asked questions
What is SWP?
Regular withdrawals from an invested corpus while the remainder may keep earning returns.
Is the return % guaranteed?
No โ it is an assumption only; real returns vary.
What is โmax sustainableโ withdrawal?
A rough monthly amount that would nearly exhaust the corpus by the end of the horizon under the same assumption โ not a promise.
Does currency affect the math?
No โ only display formatting.
Is my data uploaded?
No โ calculations run locally in your browser.
Plan the corpus first
Pair SWP with a retirement corpus goal.