SWP Calculator — Systematic Withdrawal Plan
Calculate how long your corpus lasts with monthly SWP withdrawals, or how much corpus you need for target monthly income.
Last updated: June 2026
Based on Indian mutual fund SWP conventions — illustrative returns
Corpus never depletes
Monthly return (₹33,333) ≥ withdrawal (₹25,000). Your corpus is self-sustaining at this return rate.
📌 SWP from equity mutual funds: First ₹1.25 lakh annual gains are exempt (LTCG). Beyond that, gains taxed at 12.5% (held > 12 months) or 20% (held ≤ 12 months). Debt mutual funds: taxed at slab rate regardless of holding period.
SWP projections assume constant returns — actual mutual fund returns vary. Capital gains tax on withdrawals not included in corpus depletion math.
Depletion
Year-by-year table + chart
Corpus needed
Target income mode
Vs FD
Compare fixed deposit income
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About SWP Calculator India
Our free SWP Calculator has two modes — how long your corpus lasts with monthly withdrawals, or how much corpus you need for a target monthly income over a set period.
Shows year-by-year depletion table, SVG corpus chart, FD comparison insight, and capital gains tax notes for equity vs debt fund withdrawals.
No signup, runs entirely in your browser — your financial data stays private.
Read the full guide: SWP calculator India — systematic withdrawal plan guide
When Should You Use the SWP Calculator?
Retirement income
Plan monthly withdrawals from mutual fund corpus.
Corpus needed
Find how much to invest for ₹25,000/month income.
SWP vs FD
Compare systematic withdrawal vs fixed deposit interest.
Self-sustaining corpus
Check if returns exceed withdrawals indefinitely.
Early retirement
Model corpus depletion over 20+ year horizon.