Includes 2-page detailed calculation analysis, algorithm definition, formula breakdown, and milestone schedule.
Breakdown of your initial corpus
Initial Corpus
₹50,00,000
Transparency into how your SWP Calculator numbers are derived, step-by-step mathematical formulation, and key milestone projections.
A discrete depletion-growth recurrence algorithm modeling periodic monthly redemptions from an actively compounding capital base. Evaluates B_m = B_(m-1) × (1 + i) - W. If periodic yield exceeds withdrawals, corpus lasts perpetually; otherwise, models capital drawdown velocity.
Annual Withdrawal Rate
6.00% p.a.
Of initial principal capital
Total Extracted
₹30,00,000
60% of starting corpus
Ending Balance
₹65,24,550
Capital Preserved & Grown
Sustainability
Sustainable
Compared to 8% annual return
B_m = B_(m-1) × (1 + i) - WA Systematic Withdrawal Plan (SWP) redeems a fixed amount monthly while the remaining balance continues to generate compounded returns.
| Milestone | Monthly Payout | Total Withdrawn | Remaining Corpus |
|---|---|---|---|
| Year 1 | ₹25,000/mo | ₹3,00,000 | ₹51,03,749 |
| Year 2 | ₹25,000/mo | ₹6,00,000 | ₹52,16,110 |
| Year 3 | ₹25,000/mo | ₹9,00,000 | ₹53,37,796 |
| Year 5 | ₹25,000/mo | ₹15,00,000 | ₹56,12,307 |
| Year 10 | ₹25,000/mo | ₹30,00,000 | ₹65,24,550 |
Safe Withdrawal Rule: Keeping your withdrawal rate under 6-8% p.a. ensures your corpus lasts indefinitely while fighting inflation.
Tax Efficiency: Unlike Fixed Deposit interest which is taxed at your full slab rate, SWP redemptions only attract capital gains tax on the profit portion.
Longevity: Your initial corpus generated ₹30,00,000 in direct cashflow and still retains ₹65,24,550 in wealth.
SWP allows you to withdraw a specified amount from your mutual fund investments on a regular basis (monthly, quarterly, or annually). It serves as an ideal regular pension or monthly income tool for retirees.
Creates steady monthly cashflows directly into your bank account.
Substantially lower tax drag compared to traditional annuities or fixed deposit interest.
You can stop, pause, increase, or decrease your withdrawal amount at any time without penalties.
A Systematic Withdrawal Plan takes a fixed amount out of your mutual fund investment every month while the remaining balance stays invested. This SWP calculator shows how long a corpus can sustain your withdrawals and what is left at the end.
These calculators are for illustration only. Returns shown are estimates based on the inputs you provide and are not a guarantee of future performance. Mutual fund investments are subject to market risks; read all scheme related documents carefully.