Calculate monthly withdrawals from your mutual fund corpus. See if your corpus will sustain your planned withdrawals over 20-30 years. Free SWP calculator.
Calculate monthly withdrawals from your mutual fund corpus. See if your corpus will sustain your planned withdrawals over 20-30 years. Free SWP calculator.
DETAILS
This section explains what the calculator does, what goes into the result, and how to interpret the output so you can apply it confidently.
This calculator turns a few key inputs into a clear output you can act on — a number that traders and investors commonly use for planning and decision-making.
Use it to compare scenarios quickly and to understand the trade-offs behind the final result.
Treat the output as a planning number. Small changes in inputs (time, rate, price, quantity, risk, or cashflows) can change the outcome meaningfully — so keep assumptions realistic.
If the tool returns multiple outputs, focus on the ones that drive decisions (e.g., net result, breakeven, or risk-adjusted value), not just the biggest number.
Corpus ₹1,00,00,000, Withdrawal ₹50,000/mo, Return 10% p.a., Years 20
Graphical view
Corpus ₹50,00,000, Withdrawal ₹80,000/mo, Return 8% p.a., Years 20
Graphical view
If the corpus exhausts early, reduce withdrawal, increase corpus, or increase expected return.
HOW IT WORKS
The total investment amount from which you want to make systematic withdrawals each month.
The fixed amount you want to withdraw each month. The calculator shows if your corpus will sustain this over the chosen period.
Get a year-by-year view of remaining corpus. If the corpus is exhausted before your target years, it means withdrawal is too high.
FAQ
Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from a mutual fund every month. Unlike FD interest, SWP lets your remaining corpus continue earning market-linked returns, making it more efficient for retirement income in low-rate environments.
The 4% annual withdrawal rate (from the FIRE movement) is the widely accepted sustainable rate — meaning your corpus lasts 25+ years. For Indian investors, 3-4% is considered safe given inflation. A 5% or higher withdrawal rate may exhaust the corpus in 15-20 years depending on returns.
Yes. With SWP, you only pay capital gains tax on the gains portion of each withdrawal, not the entire withdrawal. The principal portion is tax-free. This is more tax-efficient than FD interest which is fully taxable. For equity fund SWP, LTCG of 12.5% applies on gains after 1 year.
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