CalcSWP Calculator — Corpus Depletion Estimator
Calculate how long your mutual fund corpus will last under a Systematic Withdrawal Plan (SWP) with regular monthly payouts in India.
Remaining Corpus Balance
Formula & Calculation
Ending Balance = (Starting Balance - Withdrawal) * (1 + Monthly Rate)- Starting Balance: Initial corpus amount deposited.
- Withdrawal: Regular monthly Systematic Withdrawal Plan payout.
- Monthly Rate: Annual interest rate compounded monthly (Expected annual rate / 12 / 100).
How to Use
- Enter the total initial capital (corpus) to withdraw from.
- Provide the target monthly Systematic Withdrawal Plan payout amount.
- Enter the expected interest rate earned on the mutual fund balance.
- Specify target duration to check remaining balance and see if the corpus depletes early.
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP allows an investor to withdraw a fixed amount of money regularly (usually monthly) from their mutual fund scheme, providing a regular income stream.
How is SWP calculated?
The calculator reduces your withdrawal amount from the corpus each month, compounds the remaining balance by the expected return rate, and projects the final balance or depletion month.
Is SWP tax-efficient for senior citizens in India?
Yes, unlike fixed deposit interest which is taxed at slab rates, SWP withdrawals only attract capital gains tax on the gain component of the redeemed units, making it highly tax-efficient.
Can my SWP corpus last forever?
Yes, if your monthly withdrawal amount is lower than the monthly returns generated by the corpus, the principal remains untouched or grows, allowing the plan to last indefinitely.
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