SWP Calculator (Systematic Withdrawal Plan)

What does this SWP cash flow schedule tell you?

From a starting corpus of ₹50,00,000, withdrawing ₹35,000 every month for 15 years will provide a total cash payout of ₹63,00,000. Your remaining estimated capital at the end of 15 years is ₹44,23,270.

• Total returns generated by the remaining balance over the period is ₹57,23,270.
• SWP is vastly more tax-efficient than dividend options or fixed deposit interest in India because only the capital gains component of each withdrawal is taxed.
• Keep your withdrawal rate below the expected return rate (e.g. 6% withdrawal on an 8% portfolio) to ensure your principal corpus remains perpetual and never runs dry.

How This Calculator Works

Each month, the withdrawal is deducted from your balance. The remaining amount continues compounding for that month at the monthly return rate (Annual Rate / 12).

Worked Step-by-Step Example

A retiree with a ₹50 Lakh corpus in a conservative hybrid fund earning 8% p.a., withdrawing ₹35,000/month for 15 years.

Key takeaway: Because the corpus earned ₹58.8 Lakhs in growth along the way, you withdrew ₹63 Lakhs over 15 years and still have nearly your entire starting capital intact.

Common Mistakes to Avoid