SWP Calculator
See how long a lump sum lasts when you withdraw a fixed amount every month, and what is left at the end of the period.
Researched by Mirza Seraj BaigFacts last checked against official sources on 7 September 2026The lump sum you start with.
Assumed annual return on the money still invested. Market returns are not guaranteed.
Balance at the end
₹16,65,141
≈ 16.65 lakh
- Withdrawn
- 74%
- Balance left
- 26%
- Total withdrawn
- ₹48,00,000
- Corpus lasted
- 20 yr 0 mo
- Withdrawal rate
- 9.60% a year
What is an SWP?
A Systematic Withdrawal Plan takes a fixed amount out of a mutual fund investment at regular intervals while the rest stays invested. It is the mirror image of a SIP, and is commonly used to draw a monthly income from a retirement corpus.
Whether the money lasts comes down to one comparison: what the remaining balance earns against what you take out. Withdraw less than it earns and the corpus can last indefinitely; withdraw more and it shrinks, slowly at first and then faster.
How is SWP calculated?
A Systematic Withdrawal Plan is simulated month by month. Each month the remaining balance grows by one-twelfth of the expected annual return, then the withdrawal is deducted: balance = (balance × (1 + r ÷ 12)) − withdrawal. Simulating rather than using a closed-form formula means the month the corpus runs out is exact.
SWP calculation example: ₹25 lakh corpus, ₹20,000 a month
Start with ₹25,00,000, withdraw ₹20,000 a month, and assume the balance earns 9% a year. In the first month the corpus earns about ₹18,750, less than the ₹20,000 you take out, so the balance starts to fall.
After 20 years you have withdrawn ₹48,00,000 and ₹16,65,141 is still left.
9% is an assumption for illustration. Mutual fund returns are not guaranteed, and withdrawals from equity funds can fall in value in a bad year.
How long ₹25 lakh lasts at different monthly withdrawals
Assuming the remaining balance earns 9% a year, simulated month by month for up to 50 years.
| Monthly withdrawal | Withdrawn per year, as share of corpus | Corpus lasts |
|---|---|---|
| ₹15,000 | 7.2% | More than 50 years |
| ₹18,000 | 8.6% | More than 50 years |
| ₹20,000 | 9.6% | 31 years |
| ₹25,000 | 12.0% | 15 years 6 months |
| ₹30,000 | 14.4% | 11 years |
| ₹40,000 | 19.2% | 7 years 1 month |
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from an investment at regular intervals while the remaining balance stays invested. It is the mirror image of a SIP, and is commonly used to draw a monthly income from a retirement corpus.
How long will my corpus last with an SWP?
It depends on the size of the corpus, how much you withdraw each month, and what the remaining balance earns. This calculator simulates each month and tells you the exact point at which the corpus would be exhausted.
What is a safe SWP withdrawal rate?
There is no official figure, and the answer depends on your return assumptions and how long the money must last. The calculator shows your withdrawal as a percentage of the corpus per year so you can compare scenarios — if that rate exceeds your expected return, the corpus will shrink.
Is SWP income taxable?
Each withdrawal from a mutual fund is treated as a redemption, and capital gains tax applies to the gain portion according to the fund type and holding period. Consult a qualified tax adviser for your situation.
How long will ₹50 lakh last with a ₹30,000 monthly SWP?
At an assumed 9% a year, more than 50 years: the corpus earns more each month at the start than the ₹30,000 you withdraw.