SWP Calculator

As a rough guide, keep your annual withdrawal near or below the corpus's expected annual return — roughly withdrawal × 12 ÷ corpus should not exceed your assumed return rate by much. The calculator above lets you test your exact numbers rather than relying on rules of thumb.

An SWP keeps your money invested and market-linked, so both the income and the remaining balance can vary with returns; an annuity pays a fixed income for life in exchange for handing over the corpus permanently. SWP offers flexibility and a bequeathable balance; annuities offer certainty.

In India, each SWP instalment is treated as a partial redemption — only the gain portion is taxed (as LTCG or STCG depending on holding period and fund type), not the whole withdrawal, which is usually more tax-efficient than fully taxable interest or pension income.

Yes — most funds let you modify or pause an SWP at any time without penalty. Re-run this calculator whenever your income needs or the fund's performance changes to check the balance is still on track.

The corpus will deplete faster than this calculator shows, since it assumes a constant return. Stress-test by lowering the rate a few points and checking the balance — if it still lasts your required period at a conservative rate, the plan has a safety margin.