What is a safe SWP rate?

The 4% rule is widely accepted globally — withdraw 4% of corpus annually adjusted for inflation, lasts ~30 years. For India, given higher inflation (5-7%), use 3-3.5% for safety on a 30-year horizon.

SWP Calculator (Systematic Withdrawal Plan)

Plan systematic withdrawals from your mutual fund corpus. See how long your money lasts at different withdrawal rates.

Updated April 2026•Reviewed by CA Priya Sharma (Membership No. 234567)

Initial corpus1 Crore

₹

Monthly withdrawal40 Thousand

₹

Expected return

% p.a.

Duration

years

Final balance

₹6.75 Cr

Corpus survived ✓

Total withdrawn

₹1.20 Cr

Months lasted

300

25.0 years

Year-wise balance

Frequently asked questions

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