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Free SWP Calculator India – Retirement Corpus Lifespan (2026)

Find out exactly how long your retirement savings will last with regular monthly withdrawals. Plan your pension from mutual funds, NPS, or any accumulated corpus — instant results, no login needed.

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What Does the SWP Pension Tracker Do?

The SWP Pension Tracker by Smartfoliotools calculates how long your retirement corpus will sustain regular monthly withdrawals. Simply input your total corpus (accumulated savings or investments), your desired monthly withdrawal amount (pension), and the expected rate of return on the remaining corpus. The tool instantly shows you the total amount that can be withdrawn over the corpus lifetime and exactly how many years and months the corpus will last. It also features a visual chart showing corpus depletion over time, making it easy to understand your financial runway at a glance.

This calculator is essential for retirees planning a monthly pension from mutual funds, NPS, or other accumulated savings. It's equally useful for those pursuing early retirement (FIRE movement) who need to know if their corpus can sustain their lifestyle. For example, a ₹1.5 crore corpus with ₹80,000/month withdrawal at 8% expected returns lasts approximately 30+ years. The SWP calculator helps answer the most critical retirement question: "Will my money outlive me?" No login required, completely free, with instant results.

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Visual Corpus Depletion Chart

Watch how your retirement corpus decreases over time with an interactive visual chart that makes planning intuitive.

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Exact Years & Months

Get precise corpus lifespan calculations — know exactly when your money runs out, down to the month.

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Total Withdrawal Amount

See the total money you'll withdraw over the entire corpus lifetime, including returns earned on remaining balance.

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100% Private & Free

All calculations run in your browser. No data is sent anywhere. No login, no cost — free forever.

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FIRE Movement Ready

Perfect for early retirement planning. Test different withdrawal rates to find your ideal retirement number.

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Built for India

Designed with Indian retirees in mind — supports INR, typical Indian return rates, and mutual fund SWP scenarios.

📌 Quick Example

Suppose you retire with a corpus of ₹1.5 crore and want to withdraw ₹80,000 per month as your pension. If the remaining corpus earns 8% annual returns (from a balanced mutual fund), your money will last approximately 30+ years — comfortably covering your retirement. Use the SWP Calculator to test your own numbers instantly!

Will Your Retirement Corpus Last?

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Frequently Asked Questions

SWP stands for Systematic Withdrawal Plan. It is a facility offered by mutual funds that allows investors to withdraw a fixed amount from their mutual fund investment at regular intervals — typically monthly. The key advantage is that while you receive a steady income stream (like a pension), the remaining corpus stays invested and continues to earn returns based on the fund's performance. This makes SWP an attractive option for retirees seeking regular income without completely liquidating their investments.
At an expected annual return of 8% on the remaining corpus, a ₹1 crore investment with a monthly SWP withdrawal of ₹50,000 will last approximately 27–28 years. The exact duration depends on the actual returns generated by your fund. Higher returns (e.g., 10–12%) will extend the lifespan significantly, while lower returns or market downturns may shorten it. Use the Smartfoliotools SWP Calculator to test with different return rates and withdrawal amounts.
SWP from balanced or equity mutual funds can potentially provide higher returns (8–12% p.a.) compared to Fixed Deposits (6–7% p.a.), meaning your corpus lasts longer and your effective income is higher. SWP also offers tax efficiency — only the capital gains portion of each withdrawal is taxed, unlike FD interest which is fully taxable. However, SWP carries market risk and returns are not guaranteed, whereas FDs offer assured returns with capital safety. For most retirees, a combination of both — FDs for stability and SWP for growth — works best. Also, FD returns may not beat inflation over long retirement periods.
The 4% rule is a widely-used retirement planning guideline. It suggests that you can safely withdraw 4% of your total retirement corpus annually (adjusted for inflation each year) and expect the corpus to last for 30+ years. For example, if you need ₹6 lakh per year (₹50,000/month), you would need a corpus of ₹1.5 crore (₹6,00,000 ÷ 0.04). This rule helps determine how much retirement corpus you need to accumulate. While originally based on US market data, it serves as a useful starting point for Indian investors too — though many advisors recommend a more conservative 3–3.5% rate for India.
For a monthly pension of ₹1 lakh (₹12 lakh per year), assuming an expected return of 8% on the remaining corpus, you would need approximately ₹1.5 to ₹2 crore for a retirement horizon of 25–30 years. At 8% returns, around ₹1.5 crore would last about 30 years. With a more conservative 6% return estimate, you'd need closer to ₹2 crore. The exact corpus needed depends on your expected return rate and how long you want the money to last. Use the free SWP Calculator on Smartfoliotools to find the precise number for your specific scenario.

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