All calculatorsCalculators / SWP
SWP Calculator
Systematic withdrawal from a corpus with growth. Classroom maths only — not investment advice and not a broker product.
Inputs
Corpus left
₹99,08,503
Lasted full term
- Total withdrawn
- ₹60,00,000
- Months lasted
- 240
How this works
- Each month the remaining corpus earns the monthly rate, then your withdrawal is deducted.
- If balance hits zero before the term ends, we show how many months it lasted.
- Assumes constant return and fixed withdrawal — markets are not this smooth.
Educational only. PaisaTrade is not a broker and not SEBI-registered investment advice. Verify figures with your bank, broker, or tax professional before acting.
FAQs
Is SWP tax-free?
No. Mutual fund withdrawals can attract capital gains tax depending on holding period and fund type. This tool ignores tax.
What withdrawal rate is sustainable?
Rules of thumb like 3–4% of corpus per year are educational only. Sequence-of-returns risk matters in real markets.