SWP Calculator
Estimate how long a mutual fund corpus could support a monthly withdrawal, or what level withdrawal would use up a corpus over a chosen number of years. This is an illustration based on your own assumptions, not a forecast or a recommendation.
Your SWP
Choose a mode, then adjust the amounts below to see how the estimate changes.
In rupees, invested in the mutual fund today.
Not a guarantee — pick a neutral illustrative band or enter your own assumption.
Leave at 0% for a flat monthly withdrawal, the engine's own default.
Your estimate
Starting from ₹50,00,000, withdrawing ₹30,000 per month at an assumed 8% annual return. Corpus not depleted within 60 years at these inputs.
In "How long will it last?" mode — starting from a corpus of ₹50,00,000, withdrawing ₹30,000 per month, at an assumed 8% annual return — the calculation shows the corpus lasting approximately 60+ years (beyond the modelled horizon). This is a mathematical illustration, not a promise.
Try changing the withdrawal amount or return assumption to see how the duration changes.
Learn about this calculator
Estimates how long a mutual fund corpus could support a monthly withdrawal, or what level withdrawal would use up a corpus over a chosen number of years.
A Systematic Withdrawal Plan (SWP) lets an investor withdraw a fixed or rising amount from a mutual fund at regular intervals while the remaining corpus stays invested. This calculator has two distinct modes for exploring that idea from either direction.
How it works
In "How long will it last?" mode, it simulates the corpus month by month: the withdrawal is taken first, then the remaining balance grows at the return you chose, for up to 60 modelled years. In "Withdrawal for a target duration" mode, it works backwards from a chosen number of years to the level monthly amount that would use up the corpus exactly over that period. These are two separate calculations — always read the result together with which mode produced it.
What each input means
- Starting corpus
- The amount invested in the mutual fund today.
- Monthly withdrawal (longevity mode)
- The fixed amount withdrawn each month, whose longevity you want to estimate.
- Annual step-up (longevity mode)
- How much the withdrawal rises each year — 0% for a flat withdrawal.
- Target duration (sustainable mode)
- How many years you want the corpus to last — the duration to solve the withdrawal for.
- Expected annual return
- An assumption you choose for illustration — not a guarantee.
What the results mean
- Estimated years it lasts (longevity mode)
- How long the calculation shows the corpus supporting the chosen withdrawal.
- Level monthly withdrawal (sustainable mode)
- The withdrawal amount the calculation shows for exactly using up the corpus over the chosen duration.
Assumptions
- A constant annual return applies evenly every month, with no allowance for market volatility, sequence-of-returns risk, taxation, or exit load, in either mode.
Limitations
- Neither mode tells you whether a given withdrawal amount or duration is right for you — that depends on your full financial picture.
- Taxation of mutual fund redemptions is not modelled; treat every result as before-tax and illustrative only.
Common mistakes
- Reading a "How long will it last?" result while thinking it applies to the "Withdrawal for a target duration" mode, or vice versa — the two modes answer different questions.
- Treating the withdrawal figure from either mode as a recommended or "safe" number rather than one mathematical answer to the specific inputs entered.
FAQ
Will my SWP definitely run out of money, or definitely last?
Neither is certain. This tool shows what would happen under the fixed return you enter, applied evenly every month — it does not account for real market ups and downs, sequencing of returns, taxation, or exit load. Actual outcomes can be better or worse than this illustration.
What's the difference between the two modes on this page?
"How long will it last" starts from a withdrawal amount and estimates duration. "Withdrawal for a target duration" starts from a duration and calculates the withdrawal.
Is the withdrawal amount shown here the right amount for me?
No — this calculator does not recommend a withdrawal amount and doesn't know your full financial picture, other income, expenses, or goals. It only shows the mathematical result of the numbers you enter.
Does this account for tax on my withdrawals?
No. Taxation of mutual fund redemptions depends on scheme type and holding period and is not modelled here.
See the Retirement Calculator to estimate a corpus target before exploring how it might be drawn down here.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.