Withdrawal planner
SWP calculator — how long will it last?
Plan a Systematic Withdrawal Plan with withdrawals that optionally rise with inflation, and see how many years your corpus survives.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Read the full disclaimer
Total withdrawn over that time: ₹—
In shortA systematic withdrawal plan (SWP) pays you a fixed amount from a mutual fund every month while the rest stays invested. How long the money lasts depends on the corpus, the withdrawal, the return earned and whether the withdrawal rises with inflation. Withdrawals that are too high for the return can exhaust a corpus surprisingly quickly.
Questions
Frequently asked
Does this include tax on withdrawals?
This planner models the drawdown and inflation-rising withdrawals. Each SWP redemption can attract LTCG/STCG depending on holding period; we surface the pre-tax longevity here and detail tax handling on the methodology page.
How long does ₹1 crore last?
Each row withdraws the amount shown every month and raises it by 6% a year for inflation, with the balance still invested at the assumed return. At 8%, starting at 6% of the corpus a year lasts about 21 years, while starting near 5% stretches it past 27 years.
| Starting withdrawal | 8% return | 10% return |
|---|---|---|
| ₹40,000 a month (4.8% a year) | 27 years 7 months | 43 years 2 months |
| ₹50,000 a month (6.0% a year) | 20 years 10 months | 27 years 6 months |
| ₹60,000 a month (7.2% a year) | 16 years 9 months | 20 years 6 months |
| ₹75,000 a month (9.0% a year) | 12 years 11 months | 15 years 0 months |
| ₹1,00,000 a month (12.0% a year) | 9 years 5 months | 10 years 5 months |
Before tax. Withdrawals rise 6% a year. Same arithmetic as the calculator above.
Understand the concept: From SIP to SWP: The Accumulation-to-Income Transition