ⓘ Results are illustrative estimates only. Not financial advice.
Corpus Drawdown Over Time
📊 Year-wise Breakdown
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💡 Smart SWP Tips
💰
4% Rule — Withdraw no more than 4% of corpus annually. ₹1 Cr corpus → ₹4L/yr (₹33K/mo) is generally sustainable long-term.
📈
Return vs Withdrawal rate — If your return rate exceeds withdrawal rate, corpus grows. If below, it depletes. Aim for return > withdrawal % always.
⚠️
Watch the exhaustion alert — If the red banner appears, reduce your monthly withdrawal or increase your starting corpus before retiring.
🏴
Debt + Equity mix — Park SWP corpus in a hybrid fund for stability. Pure equity can be too volatile for regular withdrawals.
📊
Use the inflation toggle — Enable “Adj. chart” above to see what your corpus is worth in today’s rupees after inflation erodes its purchasing power.
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
SWP lets you withdraw a fixed amount from your mutual fund corpus
at regular intervals — monthly or yearly. The remaining corpus
continues earning returns. Commonly used for retirement income
planning as a tax-efficient alternative to FD interest.
How long will my corpus last with SWP?
It depends on corpus size, withdrawal amount, and expected return
rate. TekproAI SWP calculator shows the exact corpus depletion
timeline and alerts you when the corpus is at risk of exhaustion
before your planned horizon.
What is a safe SWP withdrawal rate?
The 4% rule suggests withdrawing 4% of corpus annually for a
30-year retirement. In the Indian context with higher inflation,
3 to 3.5% is considered safer. TekproAI models your specific
scenario so you can find your own safe withdrawal rate.
Is SWP better than FD for retirement?
SWP from equity mutual funds typically offers higher returns than
FD over long periods. Only the gains portion of each SWP withdrawal
is taxed, making it more tax-efficient than FD interest which is
fully taxable as per your income slab.
Is this calculator free?
Yes — completely free. No login required, no data stored, no ads.
All calculations happen entirely in your browser. Free forever.
⚠️
For educational use only. Results are estimates based on
standard formulas. TekproAI is not a SEBI-registered investment advisor or
RBI-regulated entity. Do not make financial decisions solely based on these
results.