Systematic Withdrawal Plan (SWP) Calculator
Monthly income modeling, corpus sustainability analysis, FIFO capital gains tax, and inflation erosion
Plan regular monthly cash flows in retirement or financial independence. Unlike traditional annuities or bank FDs where entire payouts are taxed as ordinary income, mutual fund SWP redemptions are taxed on a FIFO capital gains basis, yielding significant tax advantages.
1. SWP ParametersFIFO Accounting
Total Investment Corpus:₹50,00,000
Desired Monthly Withdrawal:₹35,000/month
Annual withdrawal rate: 8.4% of corpus
Expected Annual Return on Balance:9% p.a.
Withdrawal Horizon:15 Years (180 Months)
Sustainable Withdrawal RateYour corpus safely survives all 15 years with an estimated closing balance of ₹58.47 Lakh.
Total Cash Withdrawn
₹63.00 Lakh
₹63,00,000Total Growth Earned
+₹71.47 Lakh
During SWP HorizonRemaining Final Corpus
₹58.47 Lakh
After 15 Years Remaining Corpus in Today's Purchasing Power5.5% CPI
₹25.48 Lakh
Accounting for inflation compounding over 15 years, this is the true purchasing value of your final corpus in today's prices.
Withdrawal Rate Sensitivity Analysis
| Withdrawal Rate | Total Withdrawn | Final Corpus | Sustainability |
|---|---|---|---|
| 4% Annual Withdrawal (₹16,667/mo) | ₹30.00 Lakh | ₹1.28 Cr | Sustainable |
| 6% Annual Withdrawal (₹25,000/mo) | ₹45.00 Lakh | ₹96.59 Lakh | Sustainable |
| 8% Annual Withdrawal (₹33,333/mo) | ₹60.00 Lakh | ₹64.82 Lakh | Sustainable |
| 10% Annual Withdrawal (₹41,667/mo) | ₹75.00 Lakh | ₹33.05 Lakh | Sustainable |