Mutual Fund SWP Calculator

See how long your corpus lasts at a given monthly withdrawal and expected return. Plan retirement income or regular cashflows.

Inputs

%

Result

Balance after horizon
₹ 62,65,615
Sustainable — corpus survives
Total withdrawn
₹ 96,00,000
Over 20.0 years
Corpus growth
₹ 1,08,65,615
Net positive
Months sustained
240
Years sustained
20.0
Annual withdrawal rate
9.60%
vs corpus
SWP withdrawals from equity MFs are taxed as STCG / LTCG; debt MF withdrawals (post 1 Apr 2023) are taxed at slab rate. Use the Capital Gains Calculator for tax estimates.

Features

  • Lump-sum + monthly withdrawal model

  • Months / years sustained

  • Sustainable vs corpus-depleting flag

  • Annual withdrawal-rate display

Perfect For

Retirees planning monthly income

See how much you can safely withdraw without exhausting your corpus.

FIRE practitioners

Test withdrawal rates against the 4% rule with real-world Indian return assumptions.

Anyone considering an SWP from a lump sum

After PF / gratuity / property sale, check how a corpus translates into monthly cashflow.

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