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Calculate monthly withdrawal amount and corpus depletion for retirement or income
Corpus Will Last
Monthly Withdrawal
Annual Withdrawal
Withdrawal Yield
A Systematic Withdrawal Plan (SWP) is the inverse of SIP—instead of investing monthly, you withdraw a fixed amount monthly from your invested corpus. The genius of SWP is that your remaining balance stays invested and continues growing, theoretically sustaining withdrawals indefinitely if your returns exceed withdrawals. In India, SWP is crucial for retirees transitioning from earning to spending phase, or professionals taking sabbaticals. Unlike lumpsum withdrawals where you deplete capital quickly, SWP preserves and grows remaining corpus through ongoing market returns. A ₹50 lakh corpus invested in balanced funds (8% returns) can sustainably withdraw ₹12,500-16,700 monthly (3-4% p.a.) indefinitely, protecting against inflation and market downturns. SWP also offers tax efficiency: only gains are taxed (10% LTCG for equity after 1 year), not principal withdrawals. Popular with NRIs, retirees, and bridge-period planners.
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.