- Total withdrawal
- Balance left
- Total investment
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- Total withdrawal
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- Final value
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- Corpus lasts for
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Figures are estimates for planning only, not investment or tax advice.
A systematic withdrawal plan does the opposite of a SIP: it takes a fixed amount out of an invested corpus every month while the balance continues to earn a return. This calculator shows what is left at the end and whether the corpus survives the full period.
How it works
Every month the balance grows by one month of returns, then the withdrawal is deducted. If the withdrawal is smaller than the monthly return, the corpus keeps growing. If it is larger, the balance falls — slowly at first, then quickly.
The 4% rule of thumb
Withdrawing about 4% of the starting corpus a year (roughly 0.33% a month) has historically been sustainable over a 30-year retirement. On a ₹1 crore corpus that is ₹33,000 a month. The calculator tells you exactly when a larger withdrawal runs the money out.
Frequently asked questions
What if the corpus runs out early?
The result shows how many years it lasts. Either lower the withdrawal, raise the corpus, or accept a higher-return (and higher-risk) allocation.
How is an SWP taxed?
Each withdrawal is a redemption, so capital gains tax applies to the gain portion of the units sold, not to the whole withdrawal.
Is an SWP better than a monthly income plan?
It is usually more tax-efficient than dividend payouts, because only the gain part of each withdrawal is taxed.