SWP Calculator
Plan a Systematic Withdrawal Plan in India. The SWP calculator shows how long your corpus lasts for any monthly withdrawal and expected return.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
உள்ளீடுகள்
- இறுதி இருப்பு
- ₹2,30,35,204
- ₹2.3Cr
- மொத்தம் திரும்பப்பெற்றது
- ₹1,50,00,000
- தாங்கிய மாதங்கள்
- 300
- 25.0 ஆண்டுகள்
உங்கள் கணக்குகள் சொல்வது என்ன
You are withdrawing 6.0% of your starting corpus each year.
That is within the 8.0% return you expect, so growth covers most or all of each withdrawal.
Your corpus grows to ₹2.3Cr even after 25 years of withdrawals.
In total you withdraw ₹1.5Cr, 1.5× your starting corpus.
About ₹64,340 a month can be withdrawn without touching the principal.
That equals the monthly growth on ₹1Cr at 8.0%; withdrawing more slowly eats into the corpus.
By year 25, ₹50,000 a month buys only what ₹11,650 does today.
Assumes 6% yearly inflation; consider raising withdrawals over time or keeping a larger buffer.
காலப்போக்கில் SWP இருப்பு
இறுதி இருப்பு, மொத்தம் திரும்பப்பெற்றது ஒப்பீடு. தொகைகள் ரூபாயில்.
வரைபடத் தரவைக் காண்க
| ஆண்டு | மொத்தம் திரும்பப்பெற்றது | இறுதி இருப்பு |
|---|---|---|
| 0 | ₹0 | ₹1,00,00,000 |
| 1 | ₹6,00,000 | ₹1,01,78,306 |
| 2 | ₹12,00,000 | ₹1,03,70,876 |
| 3 | ₹18,00,000 | ₹1,05,78,852 |
| 4 | ₹24,00,000 | ₹1,08,03,465 |
| 5 | ₹30,00,000 | ₹1,10,46,048 |
| 6 | ₹36,00,000 | ₹1,13,08,038 |
| 7 | ₹42,00,000 | ₹1,15,90,986 |
| 8 | ₹48,00,000 | ₹1,18,96,571 |
| 9 | ₹54,00,000 | ₹1,22,26,602 |
| 10 | ₹60,00,000 | ₹1,25,83,036 |
| 11 | ₹66,00,000 | ₹1,29,67,985 |
| 12 | ₹72,00,000 | ₹1,33,83,729 |
| 13 | ₹78,00,000 | ₹1,38,32,733 |
| 14 | ₹84,00,000 | ₹1,43,17,658 |
| 15 | ₹90,00,000 | ₹1,48,41,376 |
| 16 | ₹96,00,000 | ₹1,54,06,992 |
| 17 | ₹1,02,00,000 | ₹1,60,17,857 |
| 18 | ₹1,08,00,000 | ₹1,66,77,591 |
| 19 | ₹1,14,00,000 | ₹1,73,90,104 |
| 20 | ₹1,20,00,000 | ₹1,81,59,618 |
| 21 | ₹1,26,00,000 | ₹1,89,90,693 |
| 22 | ₹1,32,00,000 | ₹1,98,88,254 |
| 23 | ₹1,38,00,000 | ₹2,08,57,620 |
| 24 | ₹1,44,00,000 | ₹2,19,04,536 |
| 25 | ₹1,50,00,000 | ₹2,30,35,204 |
Effective annual return converted to monthly growth. Fixed withdrawals occur at month-end, after growth; the last withdrawal cannot exceed the remaining balance. Duration is rounded to the nearest month. Tax, fees, inflation increases and market volatility are excluded.
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
A Systematic Withdrawal Plan, or SWP, is the post retirement counterpart to a SIP. Instead of investing a fixed amount each month, you withdraw a fixed amount each month from a mutual fund corpus, and the remaining balance continues to earn returns. The SWP calculator on this page tells you how long any corpus will last under a chosen monthly withdrawal and expected return, and whether the balance will last your full horizon or run out earlier.
SWP Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter your starting corpus
The total amount you have available for the SWP. For most retirees this is the sum of equity mutual funds, hybrid funds and any debt funds earmarked for income.
- 2
Set the monthly withdrawal
Enter the spending gap after other income. Allow for taxes, and test withdrawals below and above ₹50,000 rather than treating it as a standard budget.
- 3
Pick the expected return
Test lower returns as well as your main assumption. Greater equity exposure adds volatility; it does not guarantee higher retirement income.
- 4
Choose the duration
Use a retirement horizon that allows for longevity. A twenty-five- or thirty-year scenario is not a guarantee that the money lasts for life.
- 5
Read the ending balance
A positive ending balance means the fixed withdrawal lasts the selected horizon under the constant-return assumption, not that it is guaranteed sustainable. If the corpus exhausts, review withdrawal size, initial capital and retirement horizon without assuming extra market risk will solve the gap.
உதாரணம்
₹1 crore corpus, ₹50,000 a month, 8% for 25 years
8% a year is turned into an equivalent monthly rate of 1.08^(1/12) − 1 ≈ 0.6434%. In month one the ₹1,00,00,000 grows to ₹1,00,64,340, then ₹50,000 is withdrawn, leaving ₹1,00,14,340. Because a year of ₹50,000 withdrawals (₹6,00,000) is less than the corpus earns, the balance keeps rising and ends 25 years later at ₹2,30,35,204. Raise the withdrawal to ₹80,000 and the corpus runs out in month 255, about 21 years and 3 months in, after paying out ₹2,03,44,097.
- Starting corpus
- ₹1,00,00,000
- Monthly withdrawal
- ₹50,000
- Expected return
- 8% a year (≈0.6434% a month)
- Total withdrawn over 25 years
- ₹1,50,00,000
- Balance after 25 years
- ₹2,30,35,204
- At ₹80,000 a month
- Runs out in month 255
The ₹50,000 never rises with inflation here. If your expenses grow at 6%, that fixed amount buys far less by year 25, so treat a growing balance as headroom for future increases, not as spare money.
எவ்வாறு கணக்கிடப்படுகிறது
The SWP calculator converts the annual return into an equivalent monthly rate, r = (1 + annual return)^(1/12) − 1, so twelve months of growth add up to exactly the annual return. This is different from the SIP calculators, which divide the annual rate by 12.
Each month the balance grows first and the withdrawal comes out after: balance = balance × (1 + r) − withdrawal. If the balance is smaller than the withdrawal, the calculator pays out what's left, marks the corpus as exhausted in that month and stops.
The duration is rounded to the nearest month. The table and chart show the cumulative amount withdrawn and the balance at each year end, plus the final month when the corpus runs out or the duration ends partway through a year.
கருதுகோள்கள் மற்றும் வரம்புகள்
- The annual return is converted to an equivalent monthly rate. Each month's growth is added first and the withdrawal is taken at the end of the month.
- Withdrawals stay fixed in nominal rupees; inflation increases, tax and fees are excluded.
- Duration is rounded to the nearest month. Exact depletion is reported in that month, including a partial final withdrawal and a final chart point.
- A constant return omits volatility and sequence-of-returns risk. This is not a test of the historical 4 percent withdrawal rule.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What is an SWP and how does it work?
An SWP, or Systematic Withdrawal Plan, is a mutual fund facility that automatically redeems units worth a fixed rupee amount on a chosen date each month. The redemption proceeds are credited to your bank account. The remaining units stay invested and continue to earn returns. It is the structural opposite of a SIP.
Is an SWP better than an annuity?
They solve different needs. Annuities can provide contractual lifetime income but restrict access to capital and their income is taxable. SWPs retain flexibility but carry market and depletion risk; only each redemption's gain is potentially taxable under the fund's rules.
What is the 4 percent rule and does it work in India?
The 4 percent rule is a US historical planning guideline: withdraw 4 percent in year one and increase that amount with inflation thereafter. It is not a guarantee and does not directly describe this calculator, which uses fixed nominal monthly withdrawals and constant returns. Actual sustainability depends on market sequence, costs, tax, inflation and retirement length.
How is SWP taxed in India?
Each withdrawal redeems mutual-fund units; only the gain component is capital gain. Equity-fund holdings exceeding 12 months use 12.5 percent LTCG tax on eligible annual gains above ₹1,25,000 under rates effective from 23 July 2024; holdings of 12 months or less use 20 percent STCG tax. Cess and applicable surcharge are additional. This projection does not deduct tax.
Can the corpus run out during my SWP?
Yes. Review the displayed exhaustion month against your horizon. Lower withdrawals or more initial capital can close a gap; taking more equity risk cannot guarantee that it will.
Should I use SWP from equity or debt funds?
Match asset allocation to spending needs and risk tolerance. One approach holds three to five years of expenses in debt with the rest in equity, replenishing debt after gains. This can reduce forced equity sales but is not guaranteed protection. The calculator does not model a bucket strategy.
Can I change my SWP amount later?
Yes. Stopping or modifying an SWP is a single instruction with the AMC or the platform. Most retirees revise their SWP annually to account for inflation. A few revise it whenever a major expense changes (a child's education ends, a parent's medical needs grow).