Free SWP Calculator | Unit Converters
Total Withdrawn
₹12,00,000
Remaining Corpus
₹10,00,000
Duration
120 months
How It Works
Enter Details
Initial corpus, withdrawal amount, return rate
Calculate Duration
Get withdrawal duration and remaining corpus
What is SWP Calculator?
What
SWP calculator helps you calculate how long your investment corpus will last with regular withdrawals.
Why
Used for retirement planning, regular income generation, and managing post-retirement finances effectively.
Applications
Retirement income planning, pension alternatives, regular cash flow management, and corpus preservation.
Common Examples
Retirement Planning
Initial Corpus: ₹50,00,000
Monthly Withdrawal: ₹25,000
Expected Return: 10% per year
Duration: ~25 years
Regular Income
Initial Corpus: ₹20,00,000
Monthly Withdrawal: ₹15,000
Expected Return: 8% per year
Duration: ~15 years
Emergency Fund
Initial Corpus: ₹10,00,000
Monthly Withdrawal: ₹20,000
Expected Return: 6% per year
Duration: ~5 years
SWP Calculation Table
| Initial Corpus | Monthly Withdrawal | Annual Return | Duration (Years) | Remaining Corpus |
|---|---|---|---|---|
| ₹10,00,000 | ₹10,000 | 12% | 10 | ₹17,54,874 |
| ₹25,00,000 | ₹20,000 | 10% | 15 | ₹46,89,123 |
| ₹50,00,000 | ₹30,000 | 8% | 20 | ₹1,06,45,789 |
| ₹1,00,00,000 | ₹50,000 | 9% | 25 | ₹4,23,67,891 |
*These calculations assume compound growth and regular monthly withdrawals
Frequently Asked Questions
What is SWP?
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount regularly from your mutual fund investments. It helps create a steady income stream from your investment corpus.
How does SWP calculator work?
The SWP calculator uses your initial corpus, monthly withdrawal amount, and expected return rate to calculate how long your investment will last and the remaining corpus after a specific period.
What is the ideal SWP withdrawal rate?
A withdrawal rate of 4-6% annually is generally considered safe to preserve your corpus while generating regular income. This rate helps ensure your money lasts longer.
Can I change my SWP amount?
Yes, you can increase, decrease, or pause your SWP amount based on your financial needs and market conditions. Most mutual funds allow flexible SWP modifications.
Is SWP better than FD for retirement?
SWP can potentially offer higher returns than Fixed Deposits, but it comes with market risk. SWP is suitable for those who can handle some risk for potentially better long-term returns.
How is SWP taxed?
SWP withdrawals are subject to capital gains tax. For equity funds, gains are tax-free up to ₹1 lakh per year, and 10% tax applies beyond that. Debt fund gains are taxed as per your income tax slab.