Calculate regular periodic cash withdrawals and remaining corpus in mutual fund SWPs.
Result
Market performance will vary. Sustainable withdrawals require aligning withdrawal rates with realistic portfolio asset allocation.
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Balance_{m} = Balance_{m-1} x (1 + r) - Withdrawal
₹50 Lakh corpus, ₹35,000 monthly withdrawal, 9% annual return for 15 years.
Total withdrawn: ₹63 Lakh | Remaining corpus: ~₹49.86 Lakh.
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Open calculatorA Systematic Withdrawal Plan (SWP) allows investors to redeem a fixed amount at regular intervals from an existing mutual fund corpus, providing steady income while keeping remaining capital invested.
In an SWP, each withdrawal consists of both original principal and capital gains. Only the capital gains portion is taxable, unlike bank FD interest which is taxed entirely at your income tax slab rate.
For retirees, an SWP offers an effective alternative to traditional annuities and fixed deposits. By calibrating monthly withdrawals below the expected annualized portfolio return, retirees can generate inflation-beating income while preserving or growing principal capital.