Why this calculator is important
This calculator matters because mutual funds decisions usually affect cash flow, insurance cover, tax planning or long-term wealth. A structured result helps you see the gap, the yearly progress and the action required before you commit money.
What you gain from the result
You get a usable estimate, a year-wise progress chart, input summary, downloadable PDF and a clear next step for review. The output is built for practical planning, not only quick entertainment.
How to read the year-wise chart
The bar chart separates your contribution, growth, gap or protection value by year. Use it to see whether the plan depends too much on future returns, too little on current savings, or an unrealistic time frame.
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
SWP is the opposite of SIP — instead of investing a fixed amount monthly, you withdraw a fixed amount monthly from your mutual fund corpus. The remaining corpus continues to earn returns, making it ideal for generating regular income in retirement.
How much corpus is needed for ₹50,000 per month withdrawal?
Assuming 10% annual return and a 20-year withdrawal period, you need approximately ₹50–55 lakhs corpus. At 8% return you need around ₹60 lakhs. Use this calculator to find the exact number for your target monthly income and expected return.
Will my corpus run out with SWP?
If your withdrawal rate exceeds the return rate, the corpus will eventually deplete. If the return is higher than withdrawals, the corpus may even grow. As a thumb rule, keeping withdrawal at 0.5–0.8% of corpus per month (6–10% annualised) helps sustain the corpus for a long period.
Is SWP taxable in India?
Yes. Each SWP withdrawal is treated as a redemption. For equity funds held over 1 year, gains are taxed at 12.5% (LTCG above ₹1.25L per year). Debt funds are taxed at your slab rate. Consult your advisor to optimise SWP timing for tax efficiency.
What is a safe withdrawal rate for retirement in India?
A commonly cited rule is 4% per year (the '4% rule'), but Indian retirees should be more conservative given higher inflation. A 6–7% annual withdrawal rate (0.5–0.6% monthly) provides a good balance between income and corpus longevity for a 25–30 year retirement.
Want help reviewing your SIP result?
Our team at Hatlet Ventures can review this result against your real income, goals, insurance gaps and tax situation — for free.
Sri Balaji is the founder of Hatlet Ventures, a NISM-certified, AMFI-registered mutual fund distributor and IRDAI-licensed insurance advisor based in Tiruppur, Tamil Nadu. He helps families with SIPs, mutual funds, insurance planning, tax-saving investments and long-term financial planning.