SWP calculator
A Systematic Withdrawal Plan pays you a fixed amount every month by redeeming units, while the rest stays invested. It is how most retirees turn a corpus into an income. The question that matters is not how much you can draw, but whether it lasts.
That is 6.0% of the corpus a year.
Set this near inflation if you want your income to keep its purchasing power.
Your corpus lasts
Indefinitely
Growth covers the withdrawals, so the balance never falls
Withdrawn over 30 yr
₹1,80,00,000
Balance at the end
₹5,50,82,058
Balance against what you have taken out
On tax
Reading this honestly
- A steady return is assumed. In reality a bad run early in retirement does far more damage than the same run later, because you are selling units at low prices to fund withdrawals. This is sequence-of-returns risk and no single-rate calculator can show it.
- Set the annual increase near your expected inflation if you want the income to hold its purchasing power. Leaving it at zero quietly halves your real income over about twelve years.
- Withdrawals are shown gross. Each one is a redemption and part of it is a taxable capital gain.
Important — This calculator is an illustration based on the assumptions you enter. It is not a projection or guarantee of returns, and it does not account for exit loads, stamp duty or the taxes payable on redemption. Actual returns will differ. Please consult us before acting on any figure shown here.
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