Investment Intelligence

SWP Calculator — Know How Long Your Corpus Lasts

Plan systematic withdrawals from your investment corpus and find out exactly how many years it will last, or whether your withdrawal rate is sustainable indefinitely.

Plan My Withdrawals
Shows exactly how many years your corpus will last at your chosen withdrawal rate
Flags whether your withdrawal is below the sustainable threshold
Calculates total amount withdrawn over the corpus's lifetime
Useful for retirement income planning from a mutual fund or investment corpus

How it's calculated

1
Enter your starting corpus
Input the total investment amount you plan to withdraw from systematically.
2
Enter your monthly withdrawal amount
Tell us how much you plan to withdraw each month for income.
3
Enter your expected annual return
Add the rate of return you expect the remaining corpus to continue earning.
4
See sustainability and longevity
We check if your withdrawal is below the corpus's monthly interest — if so, it can last indefinitely; otherwise we show exactly how many years it will last.

Benchmarks we use

Sustainable
Withdrawal below monthly interest
If your monthly withdrawal is less than the corpus's monthly interest earnings, the corpus can theoretically last indefinitely.
8-10%
Common expected return assumption
Typical rate used for balanced or equity-oriented mutual fund SWP planning in India.

Frequently Asked Questions

What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from your mutual fund investment, commonly used to generate a steady income stream, especially post-retirement.
How much can I withdraw without depleting my corpus?
If your monthly withdrawal stays below the corpus's expected monthly interest earnings, the corpus can theoretically sustain the withdrawals indefinitely, assuming a constant return.
Are SWP withdrawals taxed?
Yes, SWP withdrawals may attract capital gains tax depending on the fund type (equity or debt) and holding period. Consult a tax advisor for your specific situation.
Does this account for real market fluctuations?
No. This calculator assumes a constant monthly return for simplicity. Real markets fluctuate, so actual corpus longevity will vary from this projection.

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