SWP Calculator India: how long will your corpus last?
A Systematic Withdrawal Plan (SWP) pays you a fixed amount from a mutual fund every month while the rest stays invested. Enter your corpus, the monthly amount you want and an assumed return.
Written by Koustav Biswas · Reviewed 15 Oct 2026 · How we calculate
25 years
Lasts the full period
₹90,00,000
Total withdrawn
₹79,79,883
Left at the end
Worked example
₹50 lakh, withdrawing ₹30,000 a month at an assumed 8% a year: you take out ₹90,00,000 over 25 years and still have about ₹79,79,883 left, because the annual withdrawal (₹3.6 lakh, 7.2%) is below the assumed return.
Common questions
What is an SWP in mutual funds?
A Systematic Withdrawal Plan redeems a fixed amount from your mutual fund units every month or quarter, so you get regular cash while the remaining units stay invested.
How is SWP taxed in India?
Each withdrawal is a redemption. Only the gain portion of the units sold is taxed, as short- or long-term capital gains depending on how long those units were held and the fund type.
What withdrawal rate is sustainable?
If the monthly withdrawal is below what the corpus earns, the corpus can last indefinitely. Withdrawals above the earning rate eat into capital; the calculator shows how quickly.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Figures are illustrations at assumed rates, not a promise of returns. Koustav Biswas is an AMFI-registered Mutual Fund Distributor (ARN-194809) — not a SEBI-registered Investment Adviser (RIA) or Research Analyst (RA). This page is not a personalised investment service.