A Systematic Withdrawal Plan (SWP) is the mirror image of SIP: instead of investing a fixed amount each month, you withdraw a fixed amount from your accumulated corpus. SWP is the primary tool for generating post-retirement income from mutual funds — more tax-efficient than traditional fixed deposits for most retirees, and with better inflation protection from equity exposure.

The sustainability of an SWP depends on the withdrawal rate relative to the corpus return. If your corpus earns 10% annually and you withdraw 7%, the corpus continues to grow in real terms indefinitely. If you withdraw more than the portfolio generates, the corpus depletes over time. The 4% Safe Withdrawal Rate (from the Trinity Study) is a commonly cited benchmark for 30-year retirement horizons in US markets; Indian equity markets have historically supported higher sustainable withdrawal rates, but inflation (averaging 5–6% in India) must be factored in.

Use this calculator to model how long your corpus will last at a given monthly withdrawal amount and expected return. Input your current corpus, desired monthly withdrawal, and expected portfolio return. The calculator shows your corpus balance year by year and the point at which it reaches zero. If the corpus depletes before your target retirement end date, reduce the withdrawal amount or increase the corpus target.

SWP withdrawals from equity mutual funds held over one year are taxed as Long Term Capital Gains (LTCG) at 12.5% on gains above ₹1.25 lakh per year. This is significantly more tax-efficient than FD interest taxed at your income slab rate. Consult a tax adviser for personalised guidance. This calculator does not account for taxes.