Plan your monthly withdrawals from investments. See how long your corpus lasts and total returns earned.
💼Investment Details
₹10,00,000
₹10K₹1Cr
₹10,000
₹500₹2L
8.0%
1%30%
10 Years
1 yr50 yrs
Monthly Withdrawal
₹10,000
per month
Corpus active throughout
🟢 Corpus active — your investment lasts the full period with balance remaining.
🔴 Corpus depleted — withdrawals exceed returns; corpus runs out before the period ends.
Total Withdrawn
₹12,00,000
Returns Earned
₹3,73,490
Remaining Corpus
₹1,73,490
Duration
120 months
55%
withdrawn
Withdrawn₹12,00,000
Returns₹3,73,490
Remaining₹1,73,490
Corpus Health Over Time
Start: ₹10,00,000End: ₹1,73,490
Year-by-Year Withdrawal Schedule
Year
Opening Balance
Returns Earned
Withdrawn
Closing Balance
Read SWP information in your language
💡
What is SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from your investment every month. The remaining corpus continues to earn returns — ideal for regular income without selling your entire investment.
📐
How it's Calculated
Each month: Balance = (Previous Balance × (1 + Monthly Rate)) − Monthly Withdrawal. The corpus runs down when withdrawals exceed returns. If returns exceed withdrawals, your corpus actually grows!
🧠
Smart SWP Tips
Keep withdrawals below the monthly return to make your corpus last forever. A ₹10 lakh corpus at 8% earns ₹6,667/month — withdraw less than this to never deplete your investment.
Frequently Asked Questions
What is the difference between SWP and SIP?+
SIP (Systematic Investment Plan) puts money INTO your investments regularly. SWP (Systematic Withdrawal Plan) takes money OUT regularly. SIP builds wealth; SWP provides regular income from wealth already built.
Is SWP income taxable in India?+
Yes. Each SWP withdrawal has two components: return of principal (not taxable) and capital gains (taxable). Short-term capital gains (held <1 year) are taxed at 20%. Long-term capital gains (held >1 year) on equity mutual funds above ₹1.25 lakh are taxed at 12.5%.
Which mutual funds are best for SWP?+
Conservative investors prefer debt funds or hybrid funds for SWP. Growth-oriented investors use equity funds. For regular income, balanced advantage funds or monthly income plans offer stability with reasonable returns of 7–10% annually.
Can I increase my SWP amount over time?+
Yes. Most mutual fund houses allow you to modify your SWP amount. Increasing withdrawals by 3–5% annually (step-up SWP) helps hedge against inflation while still drawing regular income.
What happens if the corpus runs out?+
If your monthly withdrawal exceeds the returns earned, the corpus steadily depletes. Once the balance reaches zero, no further withdrawals are possible. Always set withdrawals conservatively — ideally below the expected monthly return on your corpus.