# SWP Calculator

> How long a corpus lasts, and what is left, when you withdraw a fixed amount every month (Systematic Withdrawal Plan).

Interactive calculator: https://www.cashiq.in/tools/swp-calculator
Last updated: 2026-11-10

An SWP calculator shows what happens when you withdraw a fixed amount every month from a mutual fund corpus that keeps earning returns. Withdrawing ₹30,000 a month from ₹50 lakh at 8% for 20 years leaves about ₹69,63,401. At ₹50,000 a month, the same corpus runs out in year 14.

## How it is calculated

```
Balance after each month = previous balance × (1 + i) − withdrawal
```

- i is the monthly rate: the expected annual return ÷ 12 ÷ 100.
- Withdrawals are taken at the end of each month and stop when the balance reaches zero.
- While the corpus lasts, the final value equals P × (1 + i)^n − W × ((1 + i)^n − 1) / i.

## Worked example

- Inputs: ₹50,00,000 corpus, ₹30,000 a month, 8% expected return, 20 years
- Result: ₹72,00,000 withdrawn in total, ₹69,63,401 left at the end
- Open it: https://www.cashiq.in/tools/swp-calculator?corpus=5000000&withdrawal=30000&rate=8&years=20

## Use it with your own numbers

Add query parameters to the calculator URL. The page renders the result, a one-sentence summary and a year-by-year table in its HTML.

| Parameter | Meaning | Allowed values |
| --- | --- | --- |
| `corpus` | Starting investment in ₹ | 10,000 to 10 crore |
| `withdrawal` | Monthly withdrawal in ₹ | 500 to 10,00,000 |
| `rate` | Expected annual return, % | 0 to 30 |
| `years` | Withdrawal period in years | 1 to 30 |

Example: https://www.cashiq.in/tools/swp-calculator?corpus=5000000&withdrawal=30000&rate=8&years=20

JSON API: https://www.cashiq.in/api/v1/swp-calculator?corpus=5000000&withdrawal=30000&rate=8&years=20

## Rules and assumptions

- Each withdrawal redeems fund units, so capital gains tax applies to the gains part of each withdrawal, not the whole amount.
- Returns are an assumption. A market fall early in the plan shortens how long the corpus lasts.

## Frequently asked questions

### What is an SWP?

A Systematic Withdrawal Plan redeems a fixed amount from your mutual fund investment at regular intervals, usually monthly, while the rest stays invested.

### How long will my SWP last?

It lasts indefinitely if your monthly withdrawal is below the monthly return on the corpus. Above that the corpus shrinks, and the calculator shows the month it runs out.

### What is a safe SWP withdrawal rate?

Many retirees aim for 4–6% of the corpus a year, adjusted for expected returns and inflation. A higher rate risks running out early.

### Is an SWP taxed?

Only the gains part of each withdrawal is taxed, as capital gains under the rules for that fund type and holding period. This is often more tax-efficient than interest income.

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Results are estimates for planning, not investment, tax or legal advice. Returns are assumptions, not guarantees. Source: CashIQ, https://www.cashiq.in/tools/swp-calculator