SWP Calculator
Model a systematic withdrawal from your corpus.
Model a systematic withdrawal from your corpus.
The SWP Calculator takes your own numbers and projects the result using the method described below, showing every assumption rather than a single opaque figure.
Each month the corpus grows at 1/12th of your rate, then the withdrawal is subtracted. The withdrawal itself steps up annually by your chosen rate. The simulation runs month-by-month until the corpus hits zero or 50 years pass — this is why corpus life is the headline number, not a fixed maturity value.
Withdrawals from an equity fund realize LTCG/STCG on the redeemed units under current rules, not taxed as ordinary income. Withdrawals from a debt fund are taxed at your income slab regardless of holding period since the 2023 rule change.
Is the SWP Calculator's result a fixed outcome?
No — every figure here is an illustrative projection based on the assumptions you enter, not a promised or fixed return. Change any input to see how the result moves.
Is tax already accounted for?
Withdrawals from an equity fund realize LTCG/STCG on the redeemed units under current rules, not taxed as ordinary income. Withdrawals from a debt fund are taxed at your income slab regardless of holding period since the 2023 rule change.
Turn this into a full plan
Every goal, every debt, every rupee of surplus — turned into one specific plan, not just this one number.
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