SWP Calculator India — Systematic Withdrawal Plan 2026

SWP — Systematic Withdrawal Plan

Plan your monthly income from your corpus after retirement. See how long your money lasts and what withdrawal amount keeps you comfortable.

The Smarter Alternative to FD for Retirement Income

Most retirees park their corpus in FDs for monthly interest. A Systematic Withdrawal Plan (SWP) from a debt or hybrid mutual fund gives you: (1) Lower tax — only gains are taxed, not the entire withdrawal; (2) Better returns — 7–9% vs FD at 6.5–7%; (3) Flexibility — withdraw any amount, any time; (4) Nomination — seamlessly passes to family. This calculator shows how long your corpus lasts under different withdrawal scenarios.

Your Retirement Corpus

Initial Corpus (₹)

Expected Annual Return (%)

7% Debt 8% Hybrid 10% Balanced

Monthly Withdrawal (₹)

Annual Withdrawal Increase (%)

Increase withdrawal yearly to keep pace with inflation

Corpus Lasts For

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Total Withdrawn

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Remaining Corpus

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Safe Withdrawal Rate

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vs FD Rate (6.5%)

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💬 Plan My Retirement Income

Year-wise SWP Schedule

Disclaimer: SWP calculations are illustrative. Actual mutual fund returns vary and are not guaranteed. Tax treatment of SWP withdrawals depends on fund type and holding period. Consult a CA. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.