Plan Your Retirement Income

SWP Calculator — Monthly Income from Mutual Funds

Find out exactly how much you can withdraw every month from your corpus and how long your money will last. India's most detailed SWP calculator for 2026.

✓ How long corpus lasts
✓ Year-by-year breakdown
✓ Safe withdrawal rate check
✓ Free, no login
📤 SWP Calculator
Enter your invested corpus and monthly withdrawal amount to see how long your money lasts
Total Invested CorpusYour lumpsum in mutual fund
₹
₹1L₹5 Cr
Monthly Withdrawal AmountHow much you want every month
₹
₹1K₹5L
Expected Annual ReturnConservative: 7-8%, Moderate: 10-12%
% p.a.
1%20%
Withdrawal Period (How long you need income)
Years
1 yr40 yrs
💡 Safe Withdrawal Rate: Financial experts recommend withdrawing no more than 4-6% of your corpus per year. Enter your details above to see if your plan is sustainable.
Your Corpus Will Last
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Enter details to calculate
Monthly Withdrawal
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Per month income
Remaining Corpus
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After withdrawal period
Total Withdrawn
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Over full period
Withdrawal Rate
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Annual % of corpus
Corpus Balance Over Time
YearOpening BalanceTotal WithdrawnClosing Balance

SWP FAQs

Everything you need to know about Systematic Withdrawal Plans in India

What is a SWP (Systematic Withdrawal Plan)? +
An SWP allows you to withdraw a fixed amount from your mutual fund investment every month. Instead of redeeming everything at once, you take out a set amount regularly while the remaining corpus stays invested and keeps growing. It's the most tax-efficient way to generate regular income from mutual funds — especially for retirees. The remaining amount continues to earn returns, which can offset some or all of your withdrawals.
How much can I safely withdraw monthly using SWP? +
The safe withdrawal rate is 4-6% of your corpus annually. For a ₹50 lakh corpus: 4% = ₹2 lakh/year = ₹16,666/month. At 6% = ₹25,000/month. If you withdraw more than 6-7% annually, your corpus will deplete faster than returns replenish it. Use our calculator above to find your exact safe withdrawal amount based on your expected returns.
Is SWP better than FD for retirement income? +
Yes, SWP is generally better than FD for retirement income for 3 reasons: (1) Tax efficiency — each SWP withdrawal is partly principal (not taxable) and partly gains, so effective tax is much lower than FD interest which is fully taxable. (2) Higher returns — equity hybrid funds return 10-12% vs FD's 6-7%. (3) Inflation protection — your corpus can grow with inflation. However, FD offers guaranteed returns while SWP returns depend on market performance.
How is SWP taxed in India? +
SWP withdrawals are treated as redemptions of mutual fund units. For equity funds: LTCG (held over 1 year) is taxed at 12.5% above ₹1.25 lakh per year. STCG (under 1 year) is taxed at 20%. For debt funds: gains are added to your income and taxed as per your slab. Since each SWP withdrawal redeems units at NAV, most of the withdrawal is your original principal (not taxable) — only the gains portion is taxed. This makes SWP much more tax-efficient than FD interest.
Which mutual fund is best for SWP in India 2026? +
For SWP income, the best fund categories are: (1) Conservative Hybrid Funds — 25-30% equity, 70-75% debt — gives stable 8-9% returns with low volatility. (2) Balanced Advantage Funds — dynamic allocation, 10-11% average returns. (3) Equity Savings Funds — 30% equity, 30% arbitrage, 40% debt — stable with tax efficiency. Avoid pure equity funds for SWP as high volatility can force you to redeem units when markets are down — this permanently reduces your corpus.