SWP Calculator
Calculate regular monthly pension income, capital longevity, and terminal portfolio value from your invested mutual fund corpus under custom return assumptions.
Adjust Parameters
Lump sum corpus invested to generate regular monthly pension or cash flow.
Annualized withdrawal rate: 8.4% of initial capital.
Illustrative annual return assumption. Returns are market-linked and non-linear.
Number of years you plan to withdraw monthly payments.
180 monthly payouts
Remaining portfolio value
Starting principal balance
Gains generated while withdrawing
Breakdown
Total: ₹1,14,50,744| Category | Amount | Percentage |
|---|---|---|
| Total Cash Withdrawn | ₹63,00,000 | 55.0% |
| Remaining Corpus | ₹51,50,744 | 45.0% |
Year-by-Year SWP Cash Flow Schedule
Annual withdrawals, return accrual, and year-end portfolio balance
| Year | Opening Balance | Withdrawn in Year | Growth Generated | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹50,00,000 | -₹4,20,000 | +₹4,25,199 | ₹50,05,199 |
| Year 2 | ₹50,05,199 | -₹4,20,000 | +₹4,25,659 | ₹50,10,859 |
| Year 3 | ₹50,10,859 | -₹4,20,000 | +₹4,26,159 | ₹50,17,018 |
| Year 4 | ₹50,17,018 | -₹4,20,000 | +₹4,26,704 | ₹50,23,721 |
| Year 5 | ₹50,23,721 | -₹4,20,000 | +₹4,27,296 | ₹50,31,018 |
| Year 6 | ₹50,31,018 | -₹4,20,000 | +₹4,27,941 | ₹50,38,959 |
| Year 7 | ₹50,38,959 | -₹4,20,000 | +₹4,28,643 | ₹50,47,602 |
| Year 8 | ₹50,47,602 | -₹4,20,000 | +₹4,29,407 | ₹50,57,009 |
| Year 9 | ₹50,57,009 | -₹4,20,000 | +₹4,30,239 | ₹50,67,247 |
| Year 10 | ₹50,67,247 | -₹4,20,000 | +₹4,31,144 | ₹50,78,391 |
| Year 11 | ₹50,78,391 | -₹4,20,000 | +₹4,32,129 | ₹50,90,520 |
| Year 12 | ₹50,90,520 | -₹4,20,000 | +₹4,33,201 | ₹51,03,720 |
| Year 13 | ₹51,03,720 | -₹4,20,000 | +₹4,34,367 | ₹51,18,087 |
| Year 14 | ₹51,18,087 | -₹4,20,000 | +₹4,35,637 | ₹51,33,725 |
| Year 15 | ₹51,33,725 | -₹4,20,000 | +₹4,37,020 | ₹51,50,744 |
How Systematic Withdrawal Plan (SWP) is Calculated
Transparent mathematical formulas and assumptions used across our financial engines.
Variables & Legend
Conventions & Assumptions
- SWP enables tax-efficient monthly income because only the capital gains component of each redeemed unit is subject to tax, while the principal portion is returned tax-free.
- If your annual withdrawal rate is lower than the portfolio return (e.g. 6% withdrawal vs 8.5% return), your capital can grow indefinitely while providing monthly income.
- For equity funds, LTCG above ₹1.25 Lakh per financial year is taxed at 12.5% (Budget 2024). Short-term redemptions (under 12 months) are taxed at 20%.
- SWP allows full flexibility: you can pause, stop, increase, or decrease your withdrawal amount at any time without lock-in penalties.
Frequently Asked Questions
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