How this calculator works
An SWP (Systematic Withdrawal Plan) draws down an invested corpus by paying out a fixed amount every month, while whatever's left keeps earning returns. This calculator simulates that month by month: each month, your remaining balance grows by one month's worth of your expected annual return, and then your fixed withdrawal is subtracted — Balance = Balance × (1 + annual rate ÷ 12 ÷ 100) − Monthly withdrawal.
This repeats for every month in your chosen withdrawal period. If the balance ever hits zero or drops below it, the calculator stops the simulation right there, reports the exact month your corpus ran out, and shows your balance as ₹0 instead of continuing into negative territory.
Why the order of growth and withdrawal matters
Whether your corpus survives the full withdrawal period comes down to the relationship between your monthly withdrawal and what the corpus earns each month. If your withdrawal is smaller than the corpus's monthly growth, the balance can even increase over time despite the regular payouts. If it's larger, the balance shrinks — slowly at first, then faster, since a smaller balance earns less each month while the withdrawal amount stays fixed.
Each withdrawal is a partial redemption for capital gains purposes. Shunya's CA team can help you plan and file correctly.
Talk to a CA →What is SWP?
SWP stands for Systematic Withdrawal Plan — a facility that lets you withdraw a fixed amount at regular intervals (commonly monthly) from a lump sum you've already invested, such as in a mutual fund. It's commonly used by retirees who want a predictable income stream from their invested corpus, similar to a pension.
Can my corpus run out?
Yes. If your withdrawals exceed what the corpus earns from its returns, the balance shrinks over time and can hit zero before your chosen withdrawal period ends. This calculator runs the month-by-month math and shows you if and when that happens for the numbers you enter.
Is SWP taxed differently from lumpsum withdrawal?
Each SWP withdrawal is treated as a partial redemption of your mutual fund units for capital gains tax purposes, taxed based on how long those specific units were held and the fund type — not as a separate "withdrawal tax". This calculator doesn't compute that tax; consult your CA for the exact treatment on your holdings.
What return rate is realistic for SWP corpus?
It depends entirely on what the corpus is invested in — equity funds, debt funds, and hybrid funds all have very different risk and return profiles. This calculator doesn't assume or assert a specific rate; enter your own expected return based on your actual investment.
This tool is for quick estimation only and is not a substitute for professional financial advice. For your specific situation, consult a practicing CA or financial advisor.
Plan your withdrawals with expert help
Shunya's CA team can help you plan SWP withdrawals and handle the capital gains tax that comes with them.
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