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Total withdrawn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.