SWP Calculator — Plan Regular Income from Your Investments
Calculate monthly income from SWP in mutual funds. Understand how your corpus can provide regular cash flow while your remaining investment keeps growing.
A Systematic Withdrawal Plan is the reverse of SIP. Instead of putting money into a mutual fund every month you withdraw a fixed amount regularly. SWP is popular among retirees and those seeking regular income from their accumulated corpus. The beauty of SWP is that while you withdraw monthly the remaining corpus continues to earn returns potentially lasting much longer than simply dividing your corpus by monthly expenses.
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Key Information
| Parameter | Details |
|---|---|
| Typical Withdrawal Rate | 4% - 6% of corpus annually |
| Debt Fund Returns (SWP) | 7% - 9% CAGR |
| Balanced Fund Returns | 9% - 12% CAGR |
| Tax on SWP Gains | LTCG above Rs 1.25 lakh at 12.5% |
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Use Calculator NowFrequently Asked Questions
How much corpus do I need for Rs 50000 monthly SWP?
For a monthly withdrawal of Rs 50000 (Rs 6 lakh per year) you need a corpus of approximately Rs 1 crore assuming 8% annual returns on the remaining investment. At this rate your corpus would last 25+ years. With Rs 1.5 crore corpus the money could potentially last indefinitely as returns exceed withdrawals.
Is SWP better than FD interest for monthly income?
SWP from a debt or balanced fund often provides better tax efficiency than FD interest. FD interest is taxed fully at your slab rate while SWP returns include both capital and gains and only the gains portion is taxable. For investors in the 30% tax bracket the effective post-tax income from SWP is usually 15-20% higher than FDs.
How long will my corpus last with SWP?
This depends on the withdrawal rate versus investment returns. If you withdraw 6% annually and earn 10% returns your corpus will keep growing indefinitely. Withdrawing 8% with 10% returns makes the corpus last 30+ years. Withdrawing 12% with 10% returns depletes the corpus in about 15 years. The lower the withdrawal rate the longer the money lasts.
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Last updated: 24 March 2026