Plan your regular retirement income and estimate how long your mutual fund corpus will last under expected market returns.
verified_userRecommended SWR:4% – 6% per annum
Tax Benefit:Capital Gains Only
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Withdrawal Parameters
15 Years Horizon
₹50,00,000
₹
₹30,000 / mo
₹
10.0% p.a.
%
15 Years
Years
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Corpus & Payout Summary
SWR: 7.2% (Healthy)
Estimated Remaining Corpus
₹87,63,942
Corpus continues growing despite regular payouts
Total Amount Withdrawn
₹54,00,000
Total Growth / Profit
₹91,63,942
Wealth Trajectory (Remaining Corpus vs Cumulative Withdrawals)
Year-by-Year Breakdown (First 5 Years)
Year
Opening
Withdrawn
Returns
Closing Balance
Free SWP Calculator – Systematic Withdrawal Plan for Mutual Funds
Tooligen's free SWP Calculator helps you plan your Systematic Withdrawal Plan (SWP) from mutual funds. Calculate exactly how long your mutual fund corpus will last with regular monthly withdrawals at a given expected rate of return.
What is SWP in Mutual Funds?
An SWP (Systematic Withdrawal Plan) is the inverse of an SIP. Instead of depositing periodic savings to build a corpus, you systematically withdraw a fixed sum every month from an existing mutual fund corpus. It is one of the most tax-efficient and dependable ways for retirees, freelancers, and independent investors to draw a monthly paycheck.
Benefits of Choosing SWP Over Traditional Bank FDs
• Tax Efficiency: Only the capital gains proportion of each withdrawal is taxed, rather than the entire interest payout as in fixed deposits.
• Compounded Capital Appreciation: Unwithdrawn funds continue to compound in equity or hybrid mutual funds.
• Inflation Protection: Historical equity fund yields typically outpace retail inflation, protecting your real purchasing power over 15 to 30 years.
Frequently Asked Questions
A withdrawal rate between 4% and 6% of your initial corpus per year is widely considered safe in Indian market conditions. If your expected annual return (e.g. 10%-12%) comfortably exceeds your annual withdrawal rate, your corpus can continue growing indefinitely.
In an SWP, each monthly payout is considered a partial redemption of units. Only the capital gain on redeemed units is subject to tax (LTCG or STCG based on holding period and equity/debt fund classification). The principal portion is completely tax-free.
Yes. Mutual fund houses allow you to modify the monthly withdrawal amount, change the frequency (monthly, quarterly), or pause and stop the SWP at any time without penalties.
During market downturns, redeeming equity units at lower NAVs can lead to faster corpus erosion (known as sequence of returns risk). Financial advisors recommend keeping 2-3 years of SWP withdrawals in liquid or arbitrage funds to avoid withdrawing from equity during market corrections.