# SWP Calculator: Monthly Withdrawal from Mutual Funds > SWP calculator: see how long a mutual fund corpus lasts with fixed or rising monthly withdrawals, the total you take out and what's left, year by year. Source: https://trykosh.com/tools/swp-calculator Free tool - Investing # SWP calculator Plan a monthly income from your investments. Enter the corpus, the withdrawal, an assumed return and how long you want it to last. Rules checked 25 October 2026Free - no sign-upRuns in your browser Value left after 20 years INR 69,63,401 after withdrawing INR 72,00,000 in all Total withdrawn**INR 72,00,000** Withdrawal that leaves capital intact**INR 33,333/month** First-year withdrawal rate**7.2%** Withdrawn **INR 72,00,000**Left **INR 69,63,401** Year by year Year Monthly withdrawal Withdrawn that year Balance at year-end Year 1 INR 30,000 INR 3,60,000 INR 50,41,500 Year 2 INR 30,000 INR 3,60,000 INR 50,86,444 Year 3 INR 30,000 INR 3,60,000 INR 51,35,119 Year 4 INR 30,000 INR 3,60,000 INR 51,87,833 Year 5 INR 30,000 INR 3,60,000 INR 52,44,923 Year 6 INR 30,000 INR 3,60,000 INR 53,06,751 Year 7 INR 30,000 INR 3,60,000 INR 53,73,711 Year 8 INR 30,000 INR 3,60,000 INR 54,46,229 Year 9 INR 30,000 INR 3,60,000 INR 55,24,765 Year 10 INR 30,000 INR 3,60,000 INR 56,09,820 Year 11 INR 30,000 INR 3,60,000 INR 57,01,935 Year 12 INR 30,000 INR 3,60,000 INR 58,01,695 Year 13 INR 30,000 INR 3,60,000 INR 59,09,735 Year 14 INR 30,000 INR 3,60,000 INR 60,26,742 Year 15 INR 30,000 INR 3,60,000 INR 61,53,461 Year 16 INR 30,000 INR 3,60,000 INR 62,90,697 Year 17 INR 30,000 INR 3,60,000 INR 64,39,324 Year 18 INR 30,000 INR 3,60,000 INR 66,00,287 Year 19 INR 30,000 INR 3,60,000 INR 67,74,610 Year 20 INR 30,000 INR 3,60,000 INR 69,63,401 The balance grows at 8% a year (monthly) and the withdrawal comes out at each month-end. Only the gain inside each withdrawal is taxed, not the whole amount. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-swp-calculator) ## How the SWP calculator works A systematic withdrawal plan (SWP) redeems a fixed amount from a mutual fund every month and pays it to your bank. The rest of the money stays invested. It's a common way to draw a pension-like income from a retirement corpus. The calculator runs month by month: the balance grows at your assumed monthly rate, then the withdrawal comes out at month-end. If you set a yearly increase, the withdrawal rises once a year, which is how you keep pace with rising prices. If the withdrawal is less than the monthly return on the corpus, the balance keeps growing. If it's more, the fund slowly eats into capital, and the result shows exactly when it runs out. The figure for a withdrawal that leaves capital intact is the corpus times the monthly rate. Tax is lighter than it looks. Each redemption is partly your own money coming back and partly gain, and only the gain is taxed. In the early years of an SWP most of each withdrawal is capital, so the tax is small. Each month: balance = balance x (1 + i) − W i monthly rate = yearly return / 12 / 100 W monthly withdrawal, raised once a year by the increase you set ## Worked example: Mr Iyer's INR 80 lakh retirement corpus Mr Iyer, 60, retires in Chennai with INR 80 lakh and sets up an SWP of INR 40,000 a month, raising it 5% a year for inflation, at an assumed 8% return. The balance keeps climbing for the first decade and is still about INR 88.42 lakh at the end of year 10. After that the rising withdrawals overtake the growth: the money runs out in 24 years 5 months, after paying him INR 2.2 crore in all. Without the yearly increase he could draw INR 53,333 a month forever on paper. Your money runs out in 24 years 5 months You withdraw INR 2,19,82,505 in all before it's gone Withdrawals are larger than the fund can sustain at this return. Lower the amount, the annual increase or the period. Total withdrawn**INR 2,19,82,505** Withdrawal that leaves capital intact**INR 53,333/month** First-year withdrawal rate**6%** The balance grows at 8% a year (monthly) and the withdrawal comes out at each month-end. Only the gain inside each withdrawal is taxed, not the whole amount. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?corpus=8000000&withdraw=40000&years=25&increase=5#calculator) ## Good to know - There's no TDS on mutual fund redemptions for resident individuals. You pay the tax on gains yourself, through advance tax or when you file. - Starting an SWP from an equity fund within a year of investing means short-term gains taxed at 20%, plus any exit load. Many retirees keep 2 to 3 years of withdrawals in a lower-volatility fund and refill it from equity. - A first-year withdrawal rate around 4% to 5% of the corpus has historically been easier to sustain over 25 to 30 years than 7% or 8%, especially with yearly increases. - A bad market in the first few years hurts an SWP most, because you sell more units at low prices. Re-run the numbers at a lower return to see how much room you have. ## Frequently asked questions What is an SWP in mutual funds? A systematic withdrawal plan is an instruction to redeem a fixed amount from your fund every month or quarter and credit it to your bank account. The rest stays invested and keeps earning, so the corpus can last much longer than a lump-sum withdrawal. How much can I withdraw monthly from INR 1 crore? At an assumed 8% a year, about INR 66,700 a month leaves the capital intact. If you raise the withdrawal every year for inflation, start lower: INR 45,000 a month with 5% yearly increases lasts about 29 years at that return, and INR 40,000 lasts about 35. Returns are not guaranteed. How is SWP taxed? Each withdrawal is treated as a redemption of units, oldest first. Only the gain on those units is taxed: for equity funds at 12.5% above INR 1.25 lakh a year if held over 12 months, otherwise 20%; for debt funds bought after 1 April 2023, at your slab rate. Is SWP better than an FD for monthly income? They do different jobs. An FD gives a fixed, guaranteed interest that's fully taxable each year. An SWP's income isn't guaranteed because the fund's value moves, but only the gain portion is taxed, which often leaves more after tax. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.