Warning: Your withdrawal rate exceeds your growth rate. Corpus will deplete before tenure ends.
Annual Withdrawal Rate0%
About the SWP Calculator ā Withdrawal Planning Guide
This free SWP Calculator is designed specifically for Indian users, using documented calculation methods, with source references shown where applicable. Rules and formulas are reviewed for the applicable current period; tax-year-specific rules are identified on the page. No sign-up, no download, and no charge ā results are instant and displayed in Indian number format (lakhs and crores).
How to Use This Calculator
Enter your values in the input fields above and click the Calculate button. Results update immediately. You can modify any input and recalculate as many times as needed. All inputs are processed locally in your browser. Optional Save Setup stores the setup only in your browser; Share Setup creates a URL containing encoded setup values. See the Privacy Policy for details.
Formula and Calculation Method
The SWP Calculator uses the documented calculation method described on this page. Where rules, rates or thresholds can change, review the cited source and effective date shown here before relying on the result for an important decision.
Understanding Your Results
Results are estimates based on the inputs you provide. Actual outcomes can vary with the rules, rates, prices, biological conditions, or other assumptions that apply to your situation. Review the assumptions and effective date shown on this page before using a result for an important decision.
Why Use CalcuTools India
CalcuTools India is an independent, free calculator platform covering personal finance, income tax, salary, loans, investments, retirement planning, and health, with formulas and applicable rules checked against the stated methodology or primary/reference sources where applicable. We are not affiliated with any bank, insurance company, NBFC, or financial products distributor. Our calculators are free to use. Some pages may contain clearly labelled partner or affiliate offers; these do not affect the calculation result.
A Systematic Withdrawal Plan (SWP) is the exact mathematical inverse of a SIP. Instead of injecting capital, you command your mutual fund to automatically sell a specific fraction of your units every month to generate a fixed "pension" or passive income stream.
The Safe Withdrawal Rate (SWR)
A critical rule of thumb for retirees is ensuring your annual withdrawal amount does not exceed 4% to 6% of your total corpus. If your mutual fund generates an average of 10% returns, but you only withdraw 6% annually, your remaining principal will continue to grow, outstripping inflation and ensuring you never outlive your money.
Tax Efficiency vs. Dividends
Why choose an SWP over a Dividend Yield fund? Dividends are added directly to your taxable income and taxed at your highest slab rate (up to 30%). An SWP, however, is treated as a capital gain. For equity funds, Long-Term Capital Gains (LTCG) are only taxed at 12.5%, and the first ā¹1.25 Lakhs of gains every year are completely tax-free.
š Last Updated: September 2026 Ā· Rule year is shown where relevant; verify source-linked rules before filing or payment
š Last Updated: September 2026ā Method: Documented formula/method; page sources shown where applicableā ļø Disclaimer: Results are indicative only Ā· Not financial adviceš How we verify Ā· Editorial policy
SWP Calculation
Each month: Units redeemed = Withdrawal amount Ć· Current NAV. Remaining corpus continues earning returns. The corpus depletes when withdrawals exceed returns, or grows if returns exceed withdrawals.
Worked Example
Corpus ā¹50 lakh in a 8% return fund. Monthly SWP = ā¹30,000. Monthly corpus growth = 50,00,000 Ć 8%/12 = ā¹33,333. Net monthly increase = ā¹3,333. Corpus lasts indefinitely as long as returns exceed withdrawals.
ā¹ļø For informational use only. Results are estimates based on inputs provided. Not financial, tax, or investment advice. Consult a qualified professional for personalised guidance. Rates are indicative and may vary. Read full disclaimer.
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This free Indian calculator helps you compute an estimate for swp ā reviewed for the applicable current period. Calculations use documented formulas and source notes shown on this page where applicable.
How to Use This Calculator
Enter your values in the fields above and click Calculate. Results update instantly. You can adjust any input and recalculate as many times as needed ā completely free with no sign-up required.
Accuracy and Verification
Our swp formulas are sourced from official Indian regulatory bodies including the Income Tax Department, EPFO, RBI, Ministry of Finance, and WHO where applicable. We verify results against official calculators before publishing and update with every budget and policy change.
Disclaimer
Results are estimates based on the inputs you provide. Actual outcomes can vary with the rules, rates, prices, biological conditions, or other assumptions that apply to your situation. Review the assumptions and effective date shown on this page before using a result for an important decision.
CalcuTools India Ā· Free calculator platform Ā· About us Ā· How we verify Ā· Last Updated September 2026 Ā· Applicable rule year shown on this page