Loading tool...
Search for a command to run...
Calculate systematic withdrawal plan — corpus duration, returns & year-wise breakdown
Enter your SWP details and click Calculate
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals — typically monthly. Unlike a lump sum redemption, SWP provides a steady income stream while the remaining corpus continues to earn returns. This makes SWP ideal for retirees, senior citizens, and anyone who needs periodic income from their investments without liquidating the entire portfolio at once.
SWP works in the opposite way of a SIP (Systematic Investment Plan). While SIP involves investing a fixed amount regularly to build a corpus, SWP involves withdrawing a fixed amount regularly from an existing corpus. The remaining balance in the fund continues to grow at market-linked returns, which can significantly extend the life of your corpus compared to keeping money in a savings account.
Many retirees in India traditionally rely on Fixed Deposit (FD) interest for monthly income. However, SWP from debt or balanced mutual funds often provides a superior alternative. FD interest rates currently range from 6-7.5% for senior citizens, and the entire interest is taxable at your income tax slab rate. With an FD of ₹50 lakhs at 7%, you earn approximately ₹29,167/month — but pay tax on the full interest.
In contrast, SWP withdrawals from equity mutual funds held over 1 year attract Long Term Capital Gains (LTCG) tax at 12.5% — and only on the capital gains portion, not the full withdrawal. Additionally, LTCG up to ₹1.25 lakh per year is completely tax-free. This means a significant portion of your SWP withdrawal is either tax-free (return of your own capital) or taxed at a much lower rate than FD interest. For a retiree in the 30% tax bracket, SWP can save ₹50,000-₹1,00,000 annually in taxes compared to FD income.
SWP from mutual funds is one of the most tax-efficient ways to generate regular income in India. When you withdraw through SWP, each withdrawal is treated as a partial redemption of mutual fund units. Only the capital gains component (not the full withdrawal) is subject to tax. For equity funds held over 12 months, gains above ₹1.25 lakh are taxed at 12.5% LTCG. For debt funds, gains are taxed at your slab rate but with indexation benefit for units purchased before April 2023.
Consider this example: if you invested ₹50 lakhs and your corpus has grown to ₹60 lakhs, only the ₹10 lakh gain component is potentially taxable. When you withdraw ₹30,000/month through SWP, only approximately ₹5,000 of each withdrawal represents capital gains — the remaining ₹25,000 is return of your own invested capital, which is completely tax-free. This makes SWP far more tax-efficient than earning interest on FDs or dividends, where the full amount is added to your taxable income.
| Feature | JumpTools | Groww | ClearTax | Angel One | ET Money |
|---|---|---|---|---|---|
| Price | Free | Free | Free (limited) | Free | Free |
| Registration | No signup | Required | Required | Required | Required |
| Corpus Duration | Auto-calculated | Basic | No | No | No |
| Year-by-Year Chart | Interactive chart | Basic | No | Basic | No |
| 150-Row Table | Yes + CSV export | No | No | No | No |
| Multiple Return Rates | 4 rates (6-12%) | Single rate | Single rate | Single rate | Single rate |
| Privacy | 100% client-side | Server-based | Server-based | Server-based | Server-based |
See exactly how many years and months your corpus will last at your chosen withdrawal rate and expected returns.
Track the cumulative amount withdrawn over the SWP period alongside returns earned on the remaining balance.
Know what remains in your fund after the withdrawal period ends — plan for the next phase of retirement.
Interactive area chart showing how your corpus declines (or grows) year by year with withdrawals and returns.
Detailed table with opening balance, withdrawals, returns earned, and closing balance for each year.
Pre-computed corpus duration for all corpus sizes at 5 withdrawal amounts with CSV export.
Enter Corpus Set your total corpus amount (₹1 lakh to ₹10 crore).
Set Withdrawal Choose your desired monthly withdrawal amount (₹5,000 to ₹5 lakh).
Configure Returns Set the expected annual return rate on your remaining corpus (4-15%).
View Results See corpus duration, total withdrawn, remaining balance, and year-by-year breakdown.
Calculate how long your mutual fund corpus lasts with monthly SWP withdrawals. See total withdrawn, remaining corpus, returns earned, and year-by-year breakdown. Compare with 150-row duration table. 100% client-side.