Plan a Systematic Withdrawal Plan — see your regular income from a corpus, how long it lasts, the remaining balance and total withdrawals, with inflation, annual increase, tax, a full schedule and charts.
| Month | Year | Opening balance | Interest earned | Withdrawal | Closing balance |
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See exactly how much regular income your corpus can pay and how long it will last at monthly, quarterly, half-yearly or yearly frequency.
Find out whether your money lasts the full duration, and if not, the estimated month your corpus runs out.
Model an annual increase in your withdrawal to keep pace with inflation, and see the effect on how long the corpus survives.
Apply a tax rate to the gains for a rough after-tax picture of what an SWP really delivers.
Lightweight, library-free charts show the remaining corpus over time and each year's withdrawals versus interest.
A month-by-month table with search, sortable columns and pagination shows every opening balance, interest, withdrawal and closing balance.
Download the schedule as CSV, print a PDF report, copy the result, or share a link that reopens your exact inputs.
Your inputs are remembered on this device, so the calculator opens where you left off.
Every calculation runs in your browser. Nothing is uploaded, stored on a server or shared — no account needed.
The ApneSoftware SWP Calculator is a complete, professional tool for planning a Systematic Withdrawal Plan — the mirror image of a SIP. Where a SIP builds a corpus by investing a fixed amount regularly, an SWP does the opposite: you keep a lump sum invested in a mutual fund and withdraw a fixed amount at regular intervals, while the money that remains keeps growing. It is one of the most popular and tax-efficient ways for retirees and anyone wanting a steady cash flow to turn a pile of savings into a monthly “salary”. This calculator shows you exactly how that works on your own numbers: how much income you can safely draw, how long the corpus will last, what remains at the end, and how inflation, returns and withdrawal size change the outcome — all instantly, privately and free.
What is an SWP? A Systematic Withdrawal Plan is an instruction to a mutual fund to redeem a fixed amount (or a fixed number of units) from your investment on a chosen schedule — monthly, quarterly, half-yearly or yearly — and pay it to your bank account. The rest of your money stays invested and continues to earn returns. Because you are only selling a small slice each period, the bulk of the corpus can keep compounding, which is what allows a well-planned SWP to provide an income for many years, and sometimes to leave the original capital largely intact.
How SWP works and the formula. Each period the calculator first adds the return your remaining balance earned, then subtracts your withdrawal. In symbols, for a monthly plan the balance evolves as: new balance = (old balance × (1 + monthly return)) − withdrawal. The monthly return is the annual expected return divided by twelve. The calculator repeats this month by month for the whole duration, building the full schedule you can see in the table. Two things determine whether your money lasts: your withdrawal rate relative to the corpus, and the return the fund earns. If the return you earn each period is larger than the amount you pull out relative to the balance, the corpus can even grow while paying you; if you withdraw faster than it earns, the balance falls and eventually reaches zero — the “corpus exhaustion” point this tool highlights.
Benefits and advantages. An SWP gives you a predictable, regular income you control — you choose the amount and frequency and can change or stop it any time. It is generally more tax-efficient than the interest from a fixed deposit, because each withdrawal is treated as a partial redemption where only the gain portion is taxable, and long-term capital gains on equity funds enjoy favourable treatment. It keeps your money invested and growing rather than sitting idle, offers flexibility a pension or annuity does not, and — with an equity or hybrid fund — gives a real chance of beating inflation over the long run, unlike a fixed deposit whose real value erodes. You can also raise the withdrawal each year to match rising costs, which this calculator models directly.
Limitations, disadvantages and risk factors. The flip side is market risk: returns are not guaranteed, and a run of poor years early in the plan — the “sequence-of-returns” risk — can shorten how long your money lasts far more than the same poor years later. Withdraw too aggressively and the corpus can be depleted; the widely cited “4% rule” exists precisely because a sustainable withdrawal rate matters. There may be exit loads in the first year and small expense ratios, and taxes apply to gains. This calculator assumes a constant return for simplicity, which real markets never deliver, so treat its figures as a planning estimate, not a promise.
Real example. Suppose you invest ₹50,00,000 in a balanced fund expected to return 10% a year and withdraw ₹30,000 a month. The fund earns roughly ₹41,600 in the first month (₹50,00,000 × 10% ÷ 12) and you take out ₹30,000, so the balance actually rises to about ₹50,11,600 — your income is more than covered by growth, and the corpus grows for years. Now withdraw ₹60,000 a month instead: the monthly earning is still about ₹41,600 but you take ₹60,000, so the balance falls each month and the tool will show it exhausting well before a long horizon. Trying both in this calculator, and adding a yearly increase for inflation, makes the trade-off between income and longevity vivid.
Retirement planning and who should use SWP. An SWP is especially suited to retirees and near-retirees who have built a corpus and now need it to pay a monthly income, to senior citizens who want more tax-efficiency than an FD, and to anyone with a lump sum — a bonus, an inheritance, the proceeds of a property or a matured investment — who wants a disciplined income rather than spending it down haphazardly. It also suits people who want income but wish to stay invested for growth. The right withdrawal rate depends on your corpus, expected return, other income and how long the money must last; a common starting point is to keep withdrawals near or below the expected return so the capital is not eroded, and to review it every year.
Tax information. In India, each SWP withdrawal from an equity mutual fund is a redemption, and only the capital-gains portion of that withdrawal is taxable — not the whole amount. Gains on equity funds held over a year are long-term (LTCG) and taxed at a concessional rate above an annual exemption, while shorter holdings are short-term (STCG). Debt fund taxation differs and has changed in recent years. This makes SWPs generally more tax-friendly than FD interest, which is fully taxable at your slab. This tool includes only a simple tax estimate on total gains for a rough picture; your actual tax depends on fund type, holding period and current rules, so confirm with a tax adviser.
Inflation impact, best practices and common mistakes. Inflation quietly raises your cost of living, so a fixed withdrawal buys less each year; the calculator's annual withdrawal increase lets you keep your income's purchasing power steady, at the cost of the corpus lasting a little less long. Best practices: choose a sustainable withdrawal rate, favour hybrid or equity-oriented funds for a long horizon so growth can outpace withdrawals, keep one to two years of withdrawals in a safer buffer to ride out bad markets, and review annually. Common mistakes include withdrawing too much too soon, ignoring inflation, forgetting exit loads and taxes, and panicking during downturns. Use this tool to test scenarios, then confirm your plan with a qualified, SEBI-registered financial advisor before relying on real money.
ApneSoftware SWP Calculator एक पूर्ण, पेशेवर टूल है जो Systematic Withdrawal Plan की योजना बनाने के लिए है — यह SIP का उल्टा रूप है। जहाँ SIP नियमित रूप से एक तय रकम निवेश करके corpus बनाता है, वहाँ SWP उल्टा करता है: आप एक lump sum को mutual fund में निवेशित रखते हैं और नियमित अंतराल पर एक तय रकम निकालते हैं, जबकि बची हुई राशि बढ़ती रहती है। यह retirees और किसी भी ऐसे व्यक्ति के लिए, जो स्थिर नकद‑प्रवाह चाहता है, बचत के ढेर को मासिक “वेतन” में बदलने के सबसे लोकप्रिय और tax‑efficient तरीकों में से एक है। यह calculator आपके अपने आँकड़ों पर दिखाता है कि यह कैसे काम करता है: आप कितनी आय सुरक्षित रूप से ले सकते हैं, corpus कितने समय चलेगा, अंत में क्या बचेगा।
SWP क्या है? Systematic Withdrawal Plan एक निर्देश है जिसमें mutual fund आपकी चुनी हुई अनुसूची पर — monthly, quarterly, half‑yearly या yearly — आपके निवेश से एक तय रकम redeem करके आपके बैंक खाते में भेजता है। बाकी पैसा निवेशित रहकर return कमाता रहता है। चूँकि आप हर अवधि में सिर्फ़ एक छोटा हिस्सा बेचते हैं, corpus का बड़ा भाग compound होता रहता है, जिससे एक अच्छी योजना वाला SWP कई सालों तक आय दे सकता है।
SWP कैसे काम करता है और formula। हर अवधि calculator पहले आपकी बची राशि पर कमाया return जोड़ता है, फिर आपकी निकासी घटाता है। monthly योजना के लिए: नई राशि = (पुरानी राशि × (1 + मासिक return)) − निकासी। मासिक return वार्षिक अपेक्षित return को बारह से भाग देकर मिलता है। calculator इसे पूरी अवधि के लिए महीने‑दर‑महीने दोहराता है और वही schedule बनाता है जो तालिका में दिखती है। दो चीज़ें तय करती हैं कि पैसा कितने समय चलेगा: corpus के सापेक्ष आपकी निकासी दर, और fund का return।
लाभ और फायदे। SWP आपको पूर्वानुमेय, नियमित आय देता है जिस पर आपका नियंत्रण है — रकम और आवृत्ति आप चुनते हैं और कभी भी बदल या रोक सकते हैं। यह आम तौर पर FD के ब्याज से अधिक tax‑efficient है, क्योंकि हर निकासी एक आंशिक redemption मानी जाती है जिसमें केवल gain का हिस्सा कर‑योग्य होता है। यह आपके पैसे को निवेशित और बढ़ता रखता है, pension/annuity से अधिक लचीलापन देता है, और equity या hybrid fund के साथ लंबी अवधि में inflation को हराने का वास्तविक अवसर देता है।
सीमाएँ, नुकसान और जोखिम। दूसरी ओर market risk है: return की गारंटी नहीं, और योजना के शुरुआती वर्षों में खराब return — “sequence‑of‑returns” जोखिम — पैसे की उम्र को बहुत कम कर सकते हैं। बहुत आक्रामक निकासी से corpus जल्दी समाप्त हो सकता है; प्रसिद्ध “4% नियम” इसी कारण है। पहले साल में exit load और छोटे expense ratio हो सकते हैं, और gains पर कर लगता है। यह calculator सरलता के लिए स्थिर return मानता है, इसलिए इसके आँकड़ों को एक योजना‑अनुमान मानें, वादा नहीं।
वास्तविक उदाहरण। मान लें आप ₹50,00,000 एक balanced fund में लगाते हैं जिससे 10% वार्षिक return अपेक्षित है और हर महीने ₹30,000 निकालते हैं। fund पहले महीने लगभग ₹41,600 कमाता है और आप ₹30,000 लेते हैं, तो राशि असल में लगभग ₹50,11,600 तक बढ़ जाती है — आपकी आय growth से ढक जाती है। अब हर महीने ₹60,000 निकालें: मासिक कमाई ~₹41,600 है पर आप ₹60,000 लेते हैं, तो राशि हर महीने घटती है और टूल इसे जल्दी समाप्त होते दिखाएगा।
रिटायरमेंट योजना और किसे SWP उपयोग करना चाहिए। SWP खासकर retirees और सेवानिवृत्ति के करीब लोगों के लिए उपयुक्त है जिन्होंने corpus बनाया है और अब उससे मासिक आय चाहिए, वरिष्ठ नागरिकों के लिए जो FD से अधिक कर‑दक्षता चाहते हैं, और किसी भी lump sum वाले के लिए — bonus, विरासत, संपत्ति या परिपक्व निवेश। सही निकासी दर आपके corpus, अपेक्षित return, अन्य आय और अवधि पर निर्भर करती है; एक सामान्य शुरुआत यह है कि निकासी को अपेक्षित return के आसपास या उससे कम रखें।
कर जानकारी। भारत में equity mutual fund से हर SWP निकासी एक redemption है, और उसका केवल capital‑gains हिस्सा कर‑योग्य होता है — पूरी रकम नहीं। एक साल से अधिक रखे equity fund पर लाभ long‑term (LTCG) होते हैं और वार्षिक छूट के ऊपर रियायती दर पर कर लगते हैं, जबकि कम अवधि पर short‑term (STCG)। इससे SWP आम तौर पर FD ब्याज से अधिक कर‑अनुकूल होते हैं। यह टूल केवल कुल gains पर एक सरल कर अनुमान देता है; आपका वास्तविक कर fund प्रकार, holding अवधि और मौजूदा नियमों पर निर्भर करता है।
Inflation असर, सर्वोत्तम अभ्यास और सामान्य गलतियाँ। Inflation चुपचाप जीवन‑यापन की लागत बढ़ाती है, इसलिए एक तय निकासी हर साल कम खरीदती है; calculator की वार्षिक निकासी वृद्धि आपकी आय की क्रय‑शक्ति स्थिर रखती है, इस कीमत पर कि corpus थोड़ा कम चलेगा। सर्वोत्तम अभ्यास: टिकाऊ निकासी दर चुनें, लंबी अवधि के लिए hybrid/equity fund को प्राथमिकता दें, एक‑दो साल की निकासी सुरक्षित buffer में रखें, और हर साल समीक्षा करें। सामान्य गलतियाँ: बहुत जल्दी बहुत ज़्यादा निकालना, inflation को नज़रअंदाज़ करना, exit load और कर भूलना, और गिरावट में घबराना। इस टूल से scenarios आज़माएँ, फिर किसी योग्य SEBI‑registered सलाहकार से पुष्टि करें।
Each period, the balance earns a return and then the withdrawal is deducted. With B the balance, r the periodic return (annual% ÷ 12 ÷ 100 for monthly), and W the withdrawal:
Worked example. Initial ₹50,00,000, return 10% (so r = 0.10 ⁄ 12 ≈ 0.8333% per month), withdrawal ₹30,000/month. Month 1 interest = 50,00,000 × 0.008333 ≈ ₹41,667; new balance = 50,00,000 + 41,667 − 30,000 = ₹50,11,667. Because the interest (₹41,667) exceeds the withdrawal (₹30,000), the corpus grows — a sustainable SWP. Raise the withdrawal above the interest and the balance falls each month until it is exhausted.
✔ Builds a corpus over time through regular investing.
✗ Accumulation, not income — the opposite of SWP; you pay in rather than draw out.
✔ Guaranteed, predictable interest and capital safety.
✗ Interest fully taxable at slab; lower growth; real value eroded by inflation.
✔ Disciplined saving with assured returns.
✗ For building savings, not drawing income; modest, fully-taxed returns.
✔ Fully liquid and safe.
✗ Very low interest that rarely beats inflation; not an income strategy.
✔ Guaranteed lifelong income.
✗ Rigid, usually lower payout, little liquidity; capital typically not returned.
✔ Regular income plus possible property appreciation.
✗ Illiquid, needs a large outlay, upkeep and tenants; income can be irregular.
✔ Steady, low-risk government-backed payout.
✗ Fixed, fully taxable interest; caps on investment; limited growth.
Every calculation, chart, schedule and export runs entirely inside your browser in JavaScript. Nothing you enter — amounts, returns, or any figure — is ever uploaded to a server, stored remotely, or shared. Your inputs are saved only in this browser (local storage) so the tool reopens where you left off, and you can clear them with Reset. No account is required and the calculator works offline.
Works in all modern browsers — Chrome, Firefox, Edge, Safari, Brave and Opera — on Windows, macOS, Linux, Android and iOS. It uses only standard HTML5, CSS3 and vanilla JavaScript, with HTML Canvas charts and the browser's own print for PDF. The layout is mobile-first and adapts to phones, tablets and desktops; charts resize automatically and the schedule scrolls on small screens.
The same maths applies to any periodic withdrawal, so the calculator works for monthly, quarterly, half-yearly and yearly SWPs from equity, debt or hybrid mutual funds, with an optional annual increase to counter inflation. It estimates growth at a constant assumed return; it is not a live NAV tracker and does not fetch real fund data.
This is a planning estimate, not a guarantee. It assumes a constant return, while real markets fluctuate and the order of good and bad years (sequence risk) affects how long money lasts. It does not model exit loads, expense ratios, or the exact capital-gains tax rules; the tax field is a simple estimate on total gains. Currency selection changes only the display symbol. Always read scheme documents and consult a SEBI-registered financial advisor before acting on real money.
Results are blank or ₹0: ensure the initial investment and duration are greater than zero. Corpus exhausts too fast: your withdrawal is larger than the balance can sustain — lower it, raise the expected return, or shorten the duration. Corpus never runs out: your withdrawal is below what the corpus earns, so it grows — that is fine and expected. Numbers look too good: lower the expected return and remember taxes and costs are only estimated. CSV/PDF button does nothing: allow downloads/pop-ups for this site and retry. Share link didn't restore values: copy the entire URL including everything after the “?”.