SWP calculator: how long will my money last?
Enter your corpus, the monthly amount you want to withdraw, the return you assume and how much the withdrawal should rise each year.
How it is calculated
Each withdrawal comes out at the start of the month; what remains grows every month at the monthly equivalent of the yearly return. The withdrawal rises once a year by the rate you choose, to keep up with inflation.
Worked example
A ₹1 crore corpus, ₹60,000 a month rising 6% a year, at an assumed 8% a year: see the result above (the calculator opens with these numbers).
Common questions
What is a safe withdrawal rate in India?
There is no single safe rate. With Indian inflation of 5–7%, withdrawing more than about 4–5% of the corpus in the first year, rising with inflation, risks running out within 25–30 years unless returns are high.
How is SWP taxed?
Each withdrawal is treated as a sale of units; only the gain portion is taxed, as short- or long-term capital gain depending on how long those units were held.
SWP or dividend (IDCW) option?
An SWP gives you a fixed, planned amount and is taxed only on gains; IDCW payouts are irregular and fully taxed at your slab rate.
Illustrations only, not investment or tax advice. Mutual fund returns are not guaranteed and can be negative; the assumed return is yours to choose. Talk to us before acting on a tax estimate.
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