A Systematic Withdrawal Plan pays you a fixed amount each month while the rest stays invested and keeps growing. See how long your money lasts and what's left at the end.
Illustrative only. Assumes a constant annual return compounded monthly with a withdrawal at each month-end. Not investment advice.
You invest a corpus (often after retirement or from a windfall) and instruct the fund to redeem a fixed amount to your bank every month. Between withdrawals the balance keeps earning returns. If the return outpaces your withdrawal rate, the corpus can last decades — or even grow.
A common starting point is to withdraw around 4–6% of the corpus per year. Withdraw too aggressively and a market dip early on can deplete the corpus fast (sequence-of-returns risk). The calculator shows whether your plan survives the full horizon or runs out early.
Compared with FD interest, an SWP from an equity or hybrid fund can be more tax-efficient — only the gain portion of each withdrawal is taxed, and long-term equity gains enjoy favourable treatment. We'll structure this for your bracket.
We'll structure a tax-efficient SWP and monitor the withdrawal rate.
ARTHUM