SWP Calculator

↻ Updated FY 2026-27

A Systematic Withdrawal Plan (SWP) pays you a fixed amount each month while the rest of your corpus stays invested. See how long your money lasts and what's left at the end.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Initial corpus

Monthly withdrawal

Expected annual return

Withdrawal period

Balance remaining

₹1,00,09,152

after 20 years

Total withdrawn

₹72,00,000

₹30,000/mo

Corpus lasts

20+ yr

still funded

Corpus over time9% · 20 yr

year 1year 20

Summary

Starting corpus₹50,00,000

Monthly withdrawal₹30,000

Total withdrawn₹72,00,000

Months of withdrawal240

Balance remaining₹1,00,09,152

ASSUMPTIONS — Each month the corpus first grows at 0.75% (a constant 9% annual return) and then the withdrawal is removed. Mutual fund returns are market-linked and not guaranteed — actual returns vary. Figures are before taxes and inflation.

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Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.