SWP Calculator

You instruct the AMC to redeem a fixed number of units (or rupee amount) periodically. Proceeds are credited to your bank account. The remaining units stay invested and participate in market movement.

The calculator grows the corpus monthly at the expected return, then deducts withdrawals on your chosen frequency (monthly, quarterly or yearly). Optional annual step-up raises the withdrawal each year. A chart and year schedule show remaining corpus over time.

It estimates the largest fixed withdrawal (for your frequency) that can last the full tenure without depleting the corpus under your return assumption — useful for reverse-engineering a retirement cash-flow plan.

Yes. If withdrawals plus poor returns exceed growth, the corpus depletes. The calculator shows the depletion month when this happens under your assumptions.

Each SWP redemption is a sale of units, triggering capital gains per holding-period rules. Some retirees prefer SWP over FD interest for potential tax treatment on equity funds — consult a tax adviser for your situation.

A common planning rule abroad is the 4% rule; in India, sustainable rates depend on return assumptions, inflation and tax. Test different withdrawal amounts in this calculator.

FD non-cumulative deposits pay fixed interest; principal is known. SWP withdrawals come from a fluctuating corpus. FD suits certainty; SWP suits potentially higher but variable growth.

You fix the withdrawal amount, but if the corpus depletes, income stops. Unlike an annuity or pension, there is no insurer guarantee unless you buy a guaranteed product separately.

Most AMCs allow increasing, decreasing or stopping SWP through a request. Rules are in the scheme information document.

Falling NAV means more units are sold to fund the same withdrawal, accelerating corpus decline — sequence-of-returns risk. This is why conservative return assumptions matter in retirement planning.

Yes. SWP is a facility offered within SEBI-regulated mutual fund schemes. Only invest through registered intermediaries.

Enter corpus, withdrawal, expected return and years. If withdrawals exceed growth, corpus declines and may run out — check the schedule. SWP amounts are not guaranteed like bank interest.

SWP keeps corpus invested with market risk and flexibility; annuities trade corpus for a more predictable payout. Model SWP sustainability here and compare with an annuity quote separately — not product advice.