Investments
SWP Calculator
Systematic Withdrawal Plan — the reverse of SIP. You start with a corpus, withdraw a fixed monthly amount, and the rest keeps earning. Find out how many years your money will last.
Inputs
₹
₹1.00 L₹10.00 Cr
₹
₹1.0 K₹5.00 L
%
1%15%
Corpus exhausted in
22.5 years
Total withdrawn
₹1,08,00,000
Yearly withdrawal
₹4,80,000
Corpus depletion
Year-by-year remaining balance
When to use SWP
- • Retirement income: Drawing fixed monthly amount from accumulated corpus
- • Tax efficiency: Each withdrawal is part principal (no tax) + part gain (LTCG taxed at 12.5% over ₹1.25L/yr)
- • Goal-based withdrawal: e.g., child's school fees from corpus while rest grows
SWP vs Annuity vs FD interest
| Option | Pro | Con |
|---|---|---|
| SWP from MF | Tax-efficient, capital can grow, flexible | Market risk, may exhaust early |
| Annuity | Fixed income for life | Low rates (5–7%), fully taxable, no inflation hedge |
| FD interest only | 100% safe, predictable | Taxable, doesn't beat inflation |
The 4% rule (FIRE community)
Classic FIRE rule says you can safely withdraw 4% of your initial corpus per year (~0.33% monthly), inflation-adjusted, for 30 years with high probability of survival. Indian context with 5–6% inflation: 3.5% is safer.