# SWP Calculator (Systematic Withdrawal Plan)

> Free SWP calculator. See how long your mutual fund corpus lasts with a fixed or rising monthly withdrawal, what is left at the end, and the safe monthly income for your chosen years.

Plan a **monthly income** from your savings. See how long the money lasts, what is left at the end, and the **safe monthly withdrawal** that lasts exactly the years you choose. Add a yearly increase to keep up with inflation.

Use the free tool here: https://saraltools.in/swp-calculator/

## What is an SWP?



A Systematic Withdrawal Plan pays you a fixed amount from your mutual fund every month by selling a few units. The rest stays invested and keeps earning, so a corpus can pay an income for many years. Retirees often use it instead of a fixed deposit.



## How to read the result



- **Left after N years**: what remains if the withdrawal is affordable. A big balance means you could take more.
- **Money runs out after**: the withdrawal is too high for the return you assumed.
- **Safe monthly withdrawal**: the starting amount that lasts exactly the years you chose, including any yearly increase.



## Why raise the withdrawal every year?



₹40,000 a month buys less every year because of inflation. Raising the withdrawal by 5% to 6% a year keeps your lifestyle the same, but the starting amount has to be lower. The calculator works out both.



## Building the corpus first



Still investing? The [SIP to SWP calculator](https://saraltools.in/sip-swp-calculator/) shows how a monthly SIP today becomes a monthly income later. For pure growth, see the [SIP calculator](https://saraltools.in/sip-calculator/).

## Frequently asked questions

### How much monthly income can ₹1 crore give?

At an assumed 8% a year, ₹1 crore can pay about ₹82,000 a month for 20 years if the withdrawal stays flat, or about ₹51,000 a month to start if you raise it 6% every year. Use the calculator for your own numbers.

### How is SWP taxed?

Each withdrawal is treated as selling units. Only the gain portion of each withdrawal is taxed, not the whole amount, which is why SWP is often more tax-efficient than interest income. Equity fund gains held over 12 months are taxed at 12.5% above ₹1.25 lakh a year.

### What return should I assume for SWP?

Most SWP money sits in hybrid or conservative funds, so 7% to 9% is a common planning range. Being conservative protects you from running out early.

### When are withdrawals made in this calculator?

The corpus earns one month of return and then the month's withdrawal is paid. The yearly return is converted to the exact equivalent monthly rate.

## Related tools

- [SIP Calculator](https://saraltools.in/sip-calculator/): Estimate mutual fund SIP value, with optional yearly step-up.
- [Lumpsum Calculator](https://saraltools.in/lumpsum-calculator/): What a one-time mutual fund investment could grow to, in today's money too.
- [SIP to SWP Calculator](https://saraltools.in/sip-swp-calculator/): SIP now, monthly pension later: corpus and the income it can pay.
- [STP Calculator (Systematic Transfer Plan)](https://saraltools.in/stp-calculator/): Park a lumpsum in a liquid fund and move it to equity month by month.
- [SIP vs Lumpsum vs STP Calculator](https://saraltools.in/sip-vs-lumpsum-calculator/): Same money, three ways to invest it: compare the final values.
- [SIP Cost of Delay Calculator](https://saraltools.in/sip-delay-cost-calculator/): How much less you end up with if you start your SIP a few years late.

Last updated: 2026-11-01

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SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.