SIPs help average out market volatility over timeELSS investments save tax under Section 80CDiversify across equity, debt, and hybrid fundsReview your portfolio at least once every yearStart early — compounding rewards patienceSIPs help average out market volatility over timeELSS investments save tax under Section 80CDiversify across equity, debt, and hybrid fundsReview your portfolio at least once every yearStart early — compounding rewards patience
Financial Calculators

SWP
Calculator

Plan a Systematic Withdrawal Plan from an existing lump sum and see how your monthly withdrawal and expected return affect how long it lasts.

All calculators
₹
₹1,00,000₹5,00,00,000
₹
₹1,000₹5,00,000
%
1%20%
Yr
1 Yr30 Yr
Total Withdrawn
Final Value

Total Investment

₹20,00,000

Total Withdrawn

₹36,00,000

Final Value

₹10,18,299

The corpus lasts the full 20-year period at this withdrawal rate.

Figures are illustrative estimates based on the assumed rate of return, not a guarantee of actual performance. Mutual fund investments are subject to market risk.

Setting up a withdrawal plan?

Let our experts structure a withdrawal rate your corpus can actually sustain. Book a free 30-minute consultation.

Book Free Consultation
Understanding SWP

A Systematic Withdrawal Plan (SWP) is the mirror image of an SIP: instead of investing a fixed amount every month, you withdraw one — typically from a lump sum already invested — while the rest stays invested and keeps growing. It's commonly used to turn a retirement corpus into a regular monthly income.

The sustainability of an SWP comes down to a simple tension: if your withdrawal rate stays below your investment's growth rate, the corpus can in principle last indefinitely; if it doesn't, the corpus draws down and eventually runs out. This calculator shows you which side of that line your numbers fall on.