SWP Calculator
How long a corpus lasts when you withdraw monthly.
In a systematic withdrawal plan the corpus earns a return each month while you withdraw a fixed sum. A ₹1 crore corpus at 8% supports ₹60,000 a month for about 30 years, but ₹80,000 a month exhausts it in roughly 16 years — withdrawals above the return rate deplete capital fast.
Your Inputs
Corpus left
Total withdrawn
₹1,80,00,000
Corpus lasts
Beyond 25 years
Tenure Impact Analysis
See how the final corpus changes if you stay invested longer.
₹1.23 Cr
+-₹40.33 L total
-24.7% Growth
₹1.39 Cr
+-₹24.13 L total
-14.8% Growth
₹1.63 Cr
Baseline
Selected tenure
₹1.99 Cr
+₹35.96 L total
22.0% Growth
How this works
The 4% rule needs an Indian adjustment
With 6% inflation, a 4% first-year withdrawal is still reasonable for a 30-year retirement if the corpus is 50-60% in equity. Pure debt portfolios support only about 3-3.5% inflation-adjusted, because the post-tax real return is close to zero.
Tax treatment beats dividends
An SWP redeems units, so only the gain portion of each withdrawal is taxed — and equity gains up to ₹1.25 lakh a year are exempt. IDCW (dividend) payouts are taxed fully at your slab rate, which is why SWP is the better income route for most retirees.
Frequently asked questions
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