What's the ideal withdrawal rate?

The '4% rule' suggests withdrawing 4% of your corpus annually (adjusted for inflation) to make it last 30 years. With 8% returns and 4% withdrawal, your money could last indefinitely.

Is SWP better than FD for retirement income?

Often yes. FD interest is fully taxable, while SWP is more tax-efficient. Plus, equity-based SWP can give higher returns (though with more risk). The best approach depends on your risk tolerance.

Can I change my SWP amount?

Yes, SWP is flexible. You can increase, decrease, pause, or stop withdrawals anytime. Many retirees adjust their SWP based on their spending needs.

What happens if markets crash during SWP?

This is a real risk called 'sequence of returns risk.' Withdrawing during market lows depletes your corpus faster. Solutions: Keep 1-2 years of expenses in liquid funds, or reduce withdrawals during crashes.

SWP vs Dividend - which is better?

SWP is usually better because dividends are taxable at your slab rate, while SWP gains are taxed at lower capital gains rates. SWP also gives you control over the amount and timing.

Lumpsum Calculator

SWP Calculator

Calculate how long your investment will last with regular withdrawals

100% Free

Retirement Planning

Super Fast

Calculate Your Withdrawal Plan

Enter your investment and withdrawal details

Withdrawal Details

Total InvestmentYour initial investment amount

Monthly WithdrawalAmount you want to withdraw each month

Expected Annual ReturnExpected return while money is invested

Monthly interest at this rate: 6,666.67

Your Results

Your Money Will Last

13 years 9 months

Total Withdrawn

1,650,000.00

Interest Earned

+650,000.00

Total Withdrawal

165.0%

of initial investment

Year	Start Balance	Withdrawn	Interest	End Balance
1	10,00,000	-1,20,000	+78,500	9,58,500
2	9,58,500	-1,20,000	+75,056	9,13,556
3	9,13,556	-1,20,000	+71,325	8,64,881
4	8,64,881	-1,20,000	+67,285	8,12,167
5	8,12,167	-1,20,000	+62,910	7,55,077
6	7,55,077	-1,20,000	+58,172	6,93,249
7	6,93,249	-1,20,000	+53,040	6,26,289
8	6,26,289	-1,20,000	+47,482	5,53,771
9	5,53,771	-1,20,000	+41,463	4,75,235
10	4,75,235	-1,20,000	+34,945	3,90,180
11	3,90,180	-1,20,000	+27,885	2,98,065
12	2,98,065	-1,20,000	+20,240	1,98,305
13	1,98,305	-1,20,000	+11,960	90,265
14	90,265	-93,413	+3,148	0

How to Use This Calculator

Enter your corpus

Input your total investment amount (retirement savings, inheritance, etc.)

Set monthly withdrawal

Enter how much you want to withdraw each month

Estimate returns

Set an expected annual return rate (6-8% is realistic)

Check sustainability

See how long your money will last and adjust if needed

Enter your corpus

Input your total investment amount (retirement savings, inheritance, etc.)

Set monthly withdrawal

Enter how much you want to withdraw each month

Estimate returns

Set an expected annual return rate (6-8% is realistic)

Check sustainability

See how long your money will last and adjust if needed

What is SWP?

SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount regularly from your investment. It's the opposite of SIP - instead of building wealth, you're drawing an income from it.

How SWP Works

Every month, a fixed amount is automatically redeemed from your mutual fund and transferred to your bank account. Your remaining investment continues to earn returns.

Best for Retirees

SWP creates a regular income stream from your retirement corpus. Instead of withdrawing everything at once (and paying huge taxes), you draw a monthly 'salary' from your own savings.

Tax Efficient

Unlike FD interest (fully taxable), SWP withdrawals are partly return of capital and partly gains. Only the gains portion is taxed, making it more tax-efficient.

Withdrawal Scenarios

See how different withdrawal strategies work

Conservative Retiree

Withdraw less, money lasts longer

Corpus:₹50,00,000

Monthly:₹25,000/mo

Rate:8%

Money Lasts

Forever ∞

"If withdrawal ≤ monthly interest, your money never runs out"

Comfortable Lifestyle

Balance between income and longevity

Corpus:₹50,00,000

Monthly:₹40,000/mo

Rate:8%

Money Lasts

18 years 4 months

"A sustainable withdrawal rate is usually 4-5% annually"

Active Retirement

Higher withdrawals, shorter duration

Corpus:₹50,00,000

Monthly:₹60,000/mo

Rate:8%

Money Lasts

10 years 2 months

"Higher withdrawals deplete corpus faster"

Frequently Asked Questions

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Use our SIP calculator to plan how much to invest each month

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SWP Calculator

Calculate Your Withdrawal Plan

Withdrawal Details

Your Results

How to Use This Calculator

Enter your corpus

Set monthly withdrawal

Estimate returns

Check sustainability

Enter your corpus

Set monthly withdrawal

Estimate returns

Check sustainability

What is SWP?

How SWP Works

Best for Retirees

Tax Efficient

Withdrawal Scenarios

Conservative Retiree

Comfortable Lifestyle

Active Retirement

SWP Formula Explained

Variables Explained

Frequently Asked Questions

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Still Building Your Retirement Corpus?