Calculators · Investments
SWP calculator
How long a corpus lasts with a fixed monthly withdrawal.
Value left at the end
₹56.67 lakh
After 15 years of ₹30,000 a month
- Total investment
- ₹50,00,000
- Total withdrawn
- ₹54,00,000
- Returns earned
- ₹60,67,491
- Final value
- ₹56,67,491
Year by yearShow 15 rowsHide
| Year | Withdrawn | Returns | Balance |
|---|---|---|---|
| 1 | ₹3,60,000 | ₹3,84,583 | ₹50,24,583 |
| 2 | ₹3,60,000 | ₹3,86,550 | ₹50,51,133 |
| 3 | ₹3,60,000 | ₹3,88,674 | ₹50,79,808 |
| 4 | ₹3,60,000 | ₹3,90,968 | ₹51,10,776 |
| 5 | ₹3,60,000 | ₹3,93,445 | ₹51,44,221 |
| 6 | ₹3,60,000 | ₹3,96,121 | ₹51,80,342 |
| 7 | ₹3,60,000 | ₹3,99,011 | ₹52,19,353 |
| 8 | ₹3,60,000 | ₹4,02,132 | ₹52,61,485 |
| 9 | ₹3,60,000 | ₹4,05,502 | ₹53,06,987 |
| 10 | ₹3,60,000 | ₹4,09,142 | ₹53,56,129 |
| 11 | ₹3,60,000 | ₹4,13,074 | ₹54,09,203 |
| 12 | ₹3,60,000 | ₹4,17,320 | ₹54,66,522 |
| 13 | ₹3,60,000 | ₹4,21,905 | ₹55,28,428 |
| 14 | ₹3,60,000 | ₹4,26,858 | ₹55,95,285 |
| 15 | ₹3,60,000 | ₹4,32,206 | ₹56,67,491 |
How it works
A systematic withdrawal plan pays you a fixed amount every month from a mutual fund. The withdrawal is taken at the start of each month and the rest stays invested.
If your withdrawals are more than the corpus earns, it shrinks — the calculator shows how long the money lasts.
Questions
How much can I withdraw safely?
A withdrawal close to what the corpus earns keeps the capital roughly intact. Withdrawing more draws down the capital; the year-by-year table shows when it would run out.
How are SWP withdrawals taxed?
Each withdrawal is treated as a sale of units, so only the gain portion is taxed as capital gains — usually far less tax than on interest of the same amount.
Results are estimates for planning, not tax, legal or investment advice. Rates and rules were checked on 4 October 2026; confirm the figures that apply to you with your bank, fund house or tax adviser.