↘SWP calculator

A SWP lets you withdraw a fixed amount each month from a mutual fund corpus while the remaining balance keeps earning returns. It's the mirror image of a SIP — instead of contributing monthly, you draw monthly. Useful for retirees who want a salary-like cashflow from savings.

The classic rule of thumb (the "4% rule") says withdrawing 4% of the corpus annually, inflation-adjusted, has a high chance of lasting 30+ years in equity-heavy portfolios. For Indian retirees with debt-leaning portfolios, most advisors suggest 3–3.5% as the starting safe rate.

Yes, for realistic planning. ₹50k today buys a lot more than ₹50k in 20 years. An inflation-adjusted withdrawal keeps your real lifestyle constant — but it drains the corpus faster, so you need either a larger starting corpus or a higher expected return.

Usually yes. Each SWP withdrawal is treated as a partial redemption — only the gain portion is taxed, not the principal. For equity funds held over 12 months, gains above ₹1.25L/yr are taxed at just 12.5%. FD interest is taxed entirely at slab rates.

You're left without income. That's why this calculator matters — it shows exactly when the corpus will run out at your current plan, so you can adjust withdrawal, return assumption, or starting corpus before you retire, not after.