💜 Systematic Withdrawal Plan — Monthly Income from Mutual Fund

SWP Calculator India 2026

Find how long your mutual fund corpus lasts with monthly withdrawal. Or find the safe withdrawal amount for lifetime income.

₹50L corpus → ₹25K/month for 32 years Inflation-adjusted Corpus depletion chart

💼 SWP Plan Details

Total Corpus / Investment (₹)

₹50L

Your mutual fund / retirement corpus to withdraw from

Monthly Withdrawal Amount (₹)

₹25K

Expected Annual Return (% p.a.)

10%

Balanced fund: 10-12% | Conservative: 7-8% | Aggressive: 13-15%

Withdrawal Increase per Year (% — for inflation)

Set 5-6% to match inflation. Withdrawals grow each year.

📊 SWP Result

Corpus lasts for

— years

—

₹0

Total Withdrawn

₹0

Returns Earned

₹0

Safe Monthly (perpetual)

₹0

LTCG Tax (12.5%)

Starting corpus—

Monthly withdrawal—

Annual return rate—

Corpus depleted on—

Final corpus value—

📉 Corpus Over Time

Calculate to see chart

SWP (Systematic Withdrawal Plan) — Complete Guide

SWP is the opposite of SIP. Instead of putting money IN every month, you take money OUT. You keep the rest invested, earning returns. If your return rate exceeds your withdrawal rate, your corpus can last forever — this is the foundation of retirement income planning.

The 4% Rule: Withdraw 4% of your corpus per year and it should last 30+ years (historical data). For ₹1 Crore corpus → safe withdrawal = ₹4L/year = ₹33,333/month. This rule was created for US markets but works similarly for Indian equity-balanced funds.

SWP vs FD vs Dividend: SWP is more tax-efficient than FD interest (which is fully taxable). SWP gains are LTCG taxed at 12.5% after ₹1.25L exemption. Dividend income is fully taxable. SWP from equity mutual funds is the most tax-efficient monthly income source for retirees in India.