SWP Calculator – Systematic Withdrawal Plan
Find out how long your retirement corpus will last or how much you can withdraw monthly. Plan sustainable withdrawals based on corpus size and expected returns.
Results
Enter values and click Calculate to see results
How It Works
Enter Your Corpus
Input your total retirement savings or investment corpus that you plan to withdraw from monthly.
Set Return & Withdrawal
Enter expected annual return rate and your desired monthly withdrawal amount for living expenses.
Get Duration Analysis
See how long your money will last, total amount withdrawn, and whether your corpus is sustainable.
SWP Sustainability Guide
| Withdrawal Rate | Sustainability | Risk Level | Recommendation |
|---|---|---|---|
| < 4% annually | Highly Sustainable | Low | Corpus may last indefinitely |
| 4-6% annually | Sustainable | Moderate | 20-30 year horizon likely |
| 6-8% annually | Moderate | Medium-High | 10-20 year horizon |
| > 8% annually | At Risk | High | Corpus depletes quickly |
Annual withdrawal rate = (Monthly Withdrawal × 12) / Corpus × 100
Key Features & Benefits
Retirement Planning
Determine if your retirement corpus can support your desired lifestyle throughout your retirement years.
Sustainable Withdrawal Analysis
Identify if your withdrawal rate is sustainable or if adjustments are needed to prevent running out of money.
Return Rate Flexibility
Test different expected return scenarios to understand how market performance affects your plan.
Indefinite Income Detection
Automatically identifies when your withdrawal is less than monthly returns, meaning perpetual income.
Frequently Asked Questions
What is SWP in mutual funds?
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals. It's the opposite of SIP – instead of investing regularly, you withdraw regularly for income.
What is a safe withdrawal rate for retirement?
The "4% rule" suggests withdrawing 4% of your corpus annually (adjusted for inflation) provides high probability of 30-year sustainability. Conservative planners recommend 3-3.5% for longer retirements or volatile markets.
How long will my retirement corpus last?
Duration depends on withdrawal rate and returns. At 5% withdrawal with 8% returns, corpus lasts ~30 years. At 7% withdrawal, it lasts ~17 years. If withdrawal exceeds returns, corpus will eventually deplete.
Can I live off investment interest without touching principal?
Yes, if your withdrawal is less than your investment returns. For example, ₹1 crore at 8% return generates ₹8 lakh annually. Withdrawing only ₹6 lakh (6%) lets the corpus grow while providing income.
What happens if market returns are lower than expected?
Lower returns accelerate corpus depletion. A 2% return drop can reduce sustainability by 30-40%. Build a buffer, maintain flexibility to reduce withdrawals in bad years, and consider dynamic withdrawal strategies.