See how much you can withdraw every month, what's left at the end, and how long your money lasts.
You take out the same amount each month, and what's left keeps earning. Pick a year to see how your balance moves.
Compare your withdrawal with the break-even amount at a constant return. Actual returns vary, so this estimate cannot guarantee a safe withdrawal rate.
Keep your SWP for monthly withdrawals. Explore putting a small part of your savings into gold with Spare8+. Compare withdrawals with the illustrative rupee value of leasing rewards, while keeping the gold principal invested in this model.
Illustration uses ₹7,425/g and a 5% annual reward in grams, not a live price or guaranteed return. Monthly rupee equivalents assume rewards are converted at this price; they are not cash payouts. "More" compares holdings at this assumed price. Rewards above your selected monthly withdrawal, GST, spreads, fees and taxes are excluded. Gold prices and reward terms can vary.
Illustrative examples based on fixed-return assumptions.
“I retired at 60 with ₹1 crore. The SWP pays us ₹50,000 every month, and 20 years on, there’s still more left than we started with.”
A Systematic Withdrawal Plan (SWP) lets you take a fixed amount out of your mutual fund investment at regular intervals, usually every month. You choose how much and how often. The money you don't withdraw stays invested and keeps earning.
Say you invest ₹5,00,000 and withdraw ₹10,000 a month. Each month ₹10,000 comes out, and the rest keeps growing at your fund's return. An SWP calculator shows how that plays out over the years.
₹50,00,000, withdrawing ₹10,000 a month at 8%: month 1 ends at ₹50,23,267
An SWP calculator estimates how a lump sum may behave when you withdraw a fixed amount every month. It shows total withdrawals, final balance, returns earned and how long the money may last.
This calculator deducts the monthly withdrawal at the start of each month, then applies the monthly return rate to the remaining balance. The process repeats month by month until the selected period ends or the corpus runs out.
You choose it. Most fund houses let you pick a fixed amount, a fixed number of units, or only the gains, and change or stop the plan later.
When you have a lump sum and want a steady monthly income from it, such as after retirement, during a career break, or to pay regular expenses like school fees.
Yes. Anyone with a lump sum can set one up, including freelancers smoothing an uneven income, parents paying fees, or anyone who wants a regular payout from their savings.
Each withdrawal is treated as a redemption of mutual fund units. A withdrawal can include both capital and gain, and the gain portion is taxed based on the fund type and holding period.
There is no guaranteed safe withdrawal rate. This calculator compares withdrawals with a break-even amount under constant returns. Actual returns vary, and the timing of gains and losses can cause the corpus to run out sooner.
No. SWP returns depend on the mutual fund or portfolio you use. Market-linked funds can rise or fall, so the calculator is only an estimate based on the return rate you enter.
Spare8+ can let eligible 24K gold earn a reward in grams through leasing opportunities. Available rewards and terms are shown in the app, and the rupee value of gold can rise or fall.
Keep your SWP. Lease a slice as 24K gold with Spare8+ and earn a reward in grams, extra income that never eats into your gold.
Methodology. The SWP projection deducts your withdrawal at the start of each month and applies one-twelfth of the annual return to the remaining balance. Fund returns are not guaranteed and can be negative. Gold income uses the illustrative 24K rate shown in the calculator and the reward assumption shown for Spare8+; its rupee value moves with the gold price. Consult a professional before deciding.