SWP Calculator
Given a corpus and a monthly withdrawal, how long does the money last? Or: does it survive the years you need it?
Your current monthly expense. Inflation-adjusts so year-1 withdrawal = this × (1+i).
Post-retirement: 6–8% typical for balanced allocation
Withdrawal steps up by this rate once a year. Indian household inflation 6–8%.
How much of the corpus is your contributions vs unrealized gains. Anything above this is gains that attract LTCG when withdrawn.
12.5% since Union Budget 2024
₹1.25L per Budget 2024
A flat withdrawal loses buying power every year. At 7% inflation, ₹50,000 today grows to ₹3,80,613 by year 30 — but a flat SWP still pays out the original amount.
Set up a systematic withdrawal plan on your existing folio.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
A Systematic Withdrawal Plan draws a fixed (or inflation-adjusted) amount from an existing corpus every month — this calculator shows how long that corpus actually lasts, factoring in continued growth and LTCG tax on each withdrawal.
Each month, the withdrawal is deducted and the remaining balance grows at your assumed return. If inflation-adjustment is on, the withdrawal amount itself increases each year with inflation (so your purchasing power stays constant, but the corpus depletes faster in nominal terms). If tax is applied, each withdrawal's gain portion (proportional to your cost basis) is taxed as LTCG — claiming the ₹1.25L annual exemption fresh every year, which is why spreading a large redemption across many years via SWP is more tax-efficient than one lump withdrawal.
A ₹1Cr corpus with ₹50,000/month withdrawal, growing at 8% while withdrawals inflate at 7%, will last a very different number of years than the same corpus with a flat, non-inflating withdrawal — the gap between your withdrawal growth rate and your corpus growth rate is what determines longevity, not the corpus size alone.
Why is SWP more tax-efficient than one lump-sum withdrawal?▾
Because the ₹1.25L LTCG exemption applies per financial year. Withdrawing ₹50L in one year uses the exemption once; spreading the same ₹50L across 10 years of SWP claims the exemption 10 times, meaningfully reducing total tax paid on the same total withdrawal.
What withdrawal rate is 'safe' for a retirement corpus?▾
The commonly cited 4% rule is a US-market-derived rough guide, not a guarantee — in Indian conditions with higher inflation, a lower starting withdrawal rate (3–3.5%) is more conservative. Run this calculator at your specific numbers rather than relying on a rule of thumb.