SWP Calculator
Plan your retirement income with a Systematic Withdrawal Plan. See how long your corpus lasts with monthly withdrawals.
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SWP Calculator: Plan Retirement Income
SWP converts your investment corpus into regular monthly income during retirement — the reverse of SIP.
How SWP Works
The mutual fund redeems enough units monthly for your withdrawal amount. Your remaining corpus stays invested and keeps growing. If returns exceed withdrawal rate, your corpus grows forever.
The 4% Rule for India
You can withdraw 4% annually from your corpus. For India with higher inflation, consider 3-3.5%. On ₹2 crore at 3.5%: ₹58,333/month.
SWP vs FD Income
SWP from balanced funds is more tax-efficient than FD interest. Only the gains portion of each SWP is taxable.
Build Your Corpus First
Start with SIP investing and use step-up. Our FIRE calculator tells you the exact corpus needed.
Track with Vitta
Know your exact spending today to plan future SWP needs. Vitta tracks every rupee — free, no ads.
Frequently Asked Questions
What is SWP?+
SWP (Systematic Withdrawal Plan) is the opposite of SIP. You withdraw a fixed monthly amount from your mutual fund corpus while the rest stays invested and earns returns.
How much can I withdraw monthly?+
Safe monthly withdrawal is about 0.3-0.35% of corpus (4% annually). For ₹1 crore corpus, that's ₹30,000-35,000/month.
Is SWP taxed?+
Each SWP is part return of capital (tax-free) and part gains (taxable). Equity fund SWP held 1+ year: 10% LTCG on gains above ₹1L/year.
What if markets crash during SWP?+
This is "sequence of returns risk." Keep 2-3 years of expenses in FDs or liquid funds as a buffer, and reduce equity withdrawal during downturns.