SWP calculator: monthly income from your corpus
Enter your corpus, how much you'll withdraw each month and the return you expect. See what's left, or when it runs out.
- Shows when money runs out
- Year-by-year balance
- Free, no sign-up
Make your corpus last
Our experts plan how much to withdraw, from which funds, and how to keep tax low each year.
Questions people often ask
How is SWP taxed?
Each withdrawal sells some units. Only the gain part of each withdrawal is taxed, at equity or debt fund rates.
How much can I safely withdraw?
It depends on your other income, costs, the fund and how long the money must last. An expert can work out a plan for you.
How an SWP works
- Each month the fund sells units to pay your withdrawal.
- The rest stays invested and keeps earning.
- If returns are higher than withdrawals, the balance can grow.
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- Investor education and calculators Securities and Exchange Board of India
- Mutual fund investor information Association of Mutual Funds in India
Common questions
What is an SWP?
A systematic withdrawal plan: a fixed amount is paid to you from a mutual fund every month, by selling some units each time.
How is the SWP balance worked out?
Each month the withdrawal is taken first, then the rest grows at your expected yearly return divided by 12.
How long will ₹50 lakh last at ₹30,000 a month?
At 8% a year, more than 10 years: about ₹55.7 lakh is still left after 10 years, because the return is higher than the withdrawals.
Is SWP better than a fixed deposit for income?
SWP from equity or hybrid funds can be more tax-efficient than FD interest, since only the gain in each withdrawal is taxed. But returns aren't guaranteed, and the tax depends on the fund type and how long you held each unit.
Can I change my SWP amount?
Yes. You can stop or change it with the fund house.
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