🏧 SWP Calculator
A Systematic Withdrawal Plan pays you a fixed amount every month from an invested corpus while the balance keeps earning returns. Popular for retirement income. See the final balance — or exactly when the corpus runs out.
Inputs
Results
How it's calculated
Month-by-month simulation: balance grows at (expected return ÷ 12), then the withdrawal is deducted. If withdrawals exceed growth, the corpus depletes; the calculator reports the month it hits zero.
Frequently asked questions
How much can I withdraw without touching the corpus?
Roughly corpus × expected annual return ÷ 12 per month. Withdraw more and the corpus shrinks over time — the chart shows the trajectory.
Is SWP better than a fixed deposit for monthly income?
SWP from funds can be more tax-efficient (each withdrawal is part capital, part gain, taxed at capital-gains rates) versus FD interest taxed at slab rate — but fund values fluctuate. Many retirees blend both.
