Plan the numbers
Calculate monthly systematic withdrawals, capital preservation, remaining mutual fund corpus, and tax-efficient cash flow streams from your lump-sum investments.
A Systematic Withdrawal Plan (SWP) allows mutual fund investors to withdraw a fixed cash amount monthly while leaving the remaining capital invested to continue compounding. It is the gold standard for retirees and early-pension seekers wanting tax-efficient passive cash flows.
Calculate monthly withdrawals, total income, and remaining investment corpus using a Systematic Withdrawal Plan.
To prevent capital depletion over a 20+ year horizon, financial planners recommend keeping annual withdrawal rates between 4% and 6%. Under Budget 2024, equity fund LTCG above ₹1.25L is taxed at 12.5%, applied only to the capital gain portion of each redeemed tranche.
A free SIP Calculator built to help you plan smarter mutual fund investments. Just enter your monthly investment amount, expected rate of return, and investment duration to instantly see your total invested amount, wealth gained, and projected maturity value — making it easier to plan systematic investments and work toward long-term financial goals like retirement, education, or wealth creation.
ViewCalculate the retirement corpus you may need to maintain your lifestyle after retirement. Estimate future expenses, inflation-adjusted costs, retirement savings, and monthly retirement income using our free Retirement Calculator.
ViewCalculate Fixed Deposit (FD) maturity amount, cumulative interest earned, and quarterly compounding returns. Compare interest rates across leading Indian public, private, and small finance banks with DICGC insurance and tax deduction guidance.
ViewEnter your initial invested capital (e.g., ₹25,00,000 or ₹1,00,00,000).
Specify the regular monthly cash payout you wish to receive in your bank account.
Input realistic annualized portfolio return (e.g. 8% for Hybrid, 12% for Equity).
Analyze your total cumulative payouts vs your remaining terminal portfolio balance.
Cₙ = C₀ × (1 + r)ⁿ - W × [ [(1 + r)ⁿ - 1] ÷ [r] ]
The remaining corpus ($C_n$) after $n$ monthly cycles equals the initial capital ($C_0$) compounded at the periodic monthly rate ($r = \text{Annual Return} \div 12$), minus the future value of the monthly withdrawals ($W$).
Input: Corpus: ₹25,00,000 | Monthly Payout: ₹20,000 | Expected Return: 8% p.a. | Tenure: 5 Years
Output: Total Cash Received = ₹12,00,000 | Remaining Invested Corpus = ₹21,18,000
Bank FD interest is taxed at 100% of your income tax slab rate (up to 30% + cess). In an SWP, each monthly withdrawal consists partly of your original non-taxable principal and only partly of capital gains. Furthermore, equity fund gains held for over 1 year benefit from the 12.5% LTCG rate and an annual ₹1.25 Lakh tax-free threshold.
Yes, if your withdrawal rate consistently exceeds the portfolio's annual compound growth rate. If you withdraw 12% per year from a fund generating only 7% return, the underlying capital will gradually diminish to zero. Maintaining a 4% to 6% withdrawal rate preserves capital longevity.
Most open-ended mutual funds allow penalty-free redemptions of up to 10%–12% of your total folio units each year. If your annual SWP withdrawals stay below this threshold, zero exit load is charged.
Yes, SWP mandates are completely flexible. You can increase, decrease, pause, or terminate your monthly withdrawal instructions online at any time with your AMC or distributor without penalty.
Transitioning from the wealth accumulation phase (SIPs) to the distribution phase (cash outflows) requires a strategy that provides steady cash flow while defending against inflation. An SWP (Systematic Withdrawal Plan) achieves this by allowing your invested principal to generate compound returns while liquidating only the exact units needed for monthly spending.
---| Monthly Payout | Annual Withdrawal Rate | Total Paid Out (15 Years) | Remaining Corpus (15 Years) | Status |
|---|---|---|---|---|
| ₹25,000 / mo | 6.0% p.a. | ₹45,00,000 | ₹82,41,000 | Corpus Growing |
| ₹35,000 / mo | 8.4% p.a. | ₹63,00,000 | ₹47,65,000 | Sustainable Balance |
| ₹50,000 / mo | 12.0% p.a. | ₹90,00,000 | ₹0 (Depleted by Yr 13) | Capital Exhaustion |
A systematic withdrawal plan sells investment units to fund periodic withdrawals. The projection depends on the starting balance, withdrawal amount, timing and assumed return. Real markets do not deliver the same return every month; poor returns early in retirement can deplete a portfolio faster even when the long-term average later recovers.
Run more than one return and inflation scenario, and review whether withdrawals rise over time. Taxes, exit loads, fund expenses and transaction timing can reduce the amount available. An SWP calculation is not a guarantee of income or capital preservation; compare the projection with the scheme documents and obtain regulated financial advice for retirement or tax decisions.
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This page is maintained through a documented review of calculation logic, worked examples, assumptions and financial limitations. DevCalc is founded and maintained by software engineer Aditya Singh. Important financial, health, legal and government figures should still be confirmed with the relevant official source.
This calculator and its guidance are for general educational purposes only and do not constitute financial, investment, or tax advice. Verify figures with a qualified professional before making financial decisions.
