SWP Calculator — Plan Regular Income from Your Investments — India 2026
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.
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.
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SWP Calculator
Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
How much should I invest monthly to become a crorepati?
At 12% expected returns, a monthly SIP of Rs 5,000 for 30 years grows to approximately Rs 1.76 crore. Increasing your SIP by 10% annually makes the corpus even larger. Start early, stay consistent.
Are investment returns taxable?
PPF returns are tax-free. Equity mutual fund LTCG above Rs 1.25 lakh/year is taxed at 12.5%. FD interest is taxed at your slab rate. NPS offers an additional Rs 50,000 deduction under 80CCD(1B).
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Last updated: March 2026