Calculator
Model a systematic withdrawal plan month by month — see exactly when (or whether) your corpus runs out.
Your corpus lasts the full 20 years, with ₹10,18,299 left over.
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your mutual fund investment every month, while the remaining balance stays invested and keeps earning returns — commonly used to generate a regular income from a retirement corpus.
An SWP automates a fixed monthly redemption directly from the AMC, so you don't have to remember to sell units yourself. The math is identical either way — this calculator shows what any regular fixed withdrawal against a growing/shrinking balance looks like over time.
A commonly cited starting point is 4% of the corpus annually (roughly 0.33%/month), adjusted for your specific return assumptions and how long the money needs to last. Withdrawing more than your corpus earns will deplete it eventually — this calculator shows you exactly when, for your own numbers.
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A fixed monthly withdrawal against a balance that's also growing (or shrinking) doesn't have a single closed-form formula the way a lump sum or a flat SIP does — the balance each month depends on every month before it. This calculator simulates the corpus month by month rather than approximating, so the depletion point (if any) is exact for the numbers you enter.
SWPs are typically run against balanced/hybrid or debt funds for the income phase. Compare 200+ direct-growth funds on our mutual funds catalogue.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
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