SWP Calculator
Plan monthly withdrawals from your corpus and see how long it lasts.
What is an SWP?
A Systematic Withdrawal Plan lets you pull a fixed amount from an invested corpus every month while the rest keeps earning returns. It is the classic tool for generating retirement income from mutual funds.
How it works
Each month the corpus first earns its return, then your withdrawal is deducted. If withdrawals outpace returns, the balance shrinks and eventually depletes — this tool shows exactly when.
Frequently asked questions
What is a safe withdrawal rate?
A common rule of thumb is 4% of the corpus per year (~0.33%/month) to make it last 25–30 years. Higher withdrawals deplete the corpus faster.