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Plan your systematic withdrawal from mutual fund corpus. Check sustainability with inflation-adjusted withdrawals for retirement planning.
Total investment amount for SWP
Amount to withdraw monthly
Annual Withdrawal
₹6,00,000
Withdrawal Rate
6.0%
Real Return
8.0%
After 10 Years
₹50,000
Years Lasts
₹50
Total Withdrawn
₹3,00,00,000
Interest Earned
₹1.,27,63,80,86,63,24,83,46,e+,140
Final Balance
₹1.,27,63,80,86,63,24,83,46,e+,140
Your corpus is sustainable for
50 Years+
With ₹50,000/month withdrawal + no inflation adjustment
Safe Withdrawal Rate
4%
Rule of thumb: withdraw 4% of corpus annually
Your Rate
6.0%
Consider reducing
For 50 Years
₹16,667
Max monthly withdrawal for 50 years
Everything you need to know
Systematic Withdrawal Plan (SWP) allows investors to withdraw fixed or variable amounts from mutual funds at regular intervals while keeping the remaining amount invested.
Our SWP Calculator helps you calculate withdrawal amounts and understand the impact on your portfolio.
SWP is a structured way to withdraw money from mutual funds:
Key Features:
Portfolio: ₹25,00,000 in equity fund, 6% annual return
Fixed Withdrawal: ₹50,000/month
Year-wise Portfolio Value:
| Year | Starting Balance | Return (6%) | Withdrawal | Ending Balance |
|---|---|---|---|---|
| 1 | ₹25,00,000 | ₹1,50,000 | ₹6,00,000 | ₹20,50,000 |
| 2 | ₹20,50,000 | ₹1,23,000 | ₹6,00,000 | ₹15,73,000 |
| 3 | ₹15,73,000 | ₹94,380 | ₹6,00,000 | ₹10,67,380 |
| 4 | ₹10,67,380 | ₹64,043 | ₹6,00,000 | ₹5,31,423 |
| 5 | ₹5,31,423 | ₹31,885 | ₹5,63,308 | ₹0 |
Portfolio depletes in ~5 years with fixed ₹50,000/month withdrawal.
Fixed Amount SWP:
Fixed Percentage SWP:
Formula: Years Portfolio Will Last = Portfolio Value / (Annual Withdrawal - Annual Return)
Example:
In this case, withdrawing ₹3,00,000 annually is sustainable forever at 6% returns!
4% Rule (for Long-term): Withdraw 4% annually from portfolio = sustainable indefinitely (historically)
Example:
Capital Gains Tax: When withdrawing, capital gains (profit) are taxable.
Formula: Taxable Gain = Units Redeemed Value - Cost of those Units
Example:
Tax Rates:
1. Asset Location: Keep equity funds for SWP (higher returns) Keep debt funds for emergency needs
2. Frequency: Monthly SWP: Predictable income, higher transaction frequency Quarterly SWP: Balanced approach Annual SWP: Lower transaction costs
3. Amount: Withdraw only up to 4-5% annually to preserve capital
4. Monitoring: Review performance annually and adjust if returns decline
SWP (Equity Fund, 10% expected return):
Fixed Deposit (6% interest):
SWP is better for growth + income combination