SWP Calculator
Will your corpus outlast your withdrawals?
Simulates a Systematic Withdrawal Plan month by month: the corpus grows at your assumed return, and the withdrawal is taken out every month, so it shows whether the corpus actually lasts the period you set or runs out earlier. Real returns vary year to year (a bad sequence of returns early on can exhaust a corpus much faster than a flat average return suggests) — treat this as an illustrative case, not a guarantee.
Tax: this is exactly why SWP beats an FD-interest income for many retirees — each withdrawal is mostly your own capital coming back (not taxed) plus a slice of gain. The tax card assumes an equity fund: gain slices are long-term (12.5%) with the first ₹1.25L of gains exempt each financial year, tracked on an average-cost basis. Early in the plan the gain slice is tiny, so tax is far below what the same monthly income from FD interest would attract at slab rates. In a debt fund the gain slices are instead taxed at your slab. Withdrawals in the first year of holding would be short-term (20% for equity) — buy at least a year before starting the SWP to avoid that.