How much corpus do I need for ₹1 lakh monthly income?

At 9% p.a. for 20 years you need approximately ₹1.11 Crore. At safer 7% assumption, around ₹1.29 Crore. At conservative 5%, plan for ₹1.51 Crore.

Will my corpus get exhausted in SWP?

If withdrawal exceeds returns earned, corpus depletes over time. Keep annual withdrawal below 6-8% of corpus. Our calculator warns you if corpus will exhaust before the period ends.

Is SWP better than FD for monthly income?

SWP is more tax-efficient — only the gain portion is taxed at 10% LTCG for equity funds held over 1 year. FD interest is taxed at your full slab rate up to 30%.

SWP Calculator

Plan your monthly income from mutual fund investments — two ways to calculate

✅

5% — Conservative

7% — Moderate

9% — Aggressive ★ Default

Custom %

Your Lumpsum Corpus

₹

₹1L₹10Cr

Monthly Withdrawal

₹

₹1K₹5L/mo

Withdrawal Period

1 Yr40 Yrs

Custom Return Rate (p.a.)

1%20%

Monthly Income You Will Get

₹1,00,000/mo

at 9% p.a.

Corpus Invested

—

Total Withdrawn

—

Corpus Remaining

—

Conservative

—

corpus needed

Moderate

—

corpus needed

Aggressive

—

corpus needed

Corpus Balance Over Time

Year-wise SWP Breakdown

Year	Opening Balance	Withdrawn	Returns Earned	Closing Balance

What is a SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan (SWP) lets you invest a lumpsum in a mutual fund and withdraw a fixed amount every month as regular income. The remaining corpus stays invested and keeps earning returns — making it one of the most tax-efficient ways to generate monthly income in India.

How Much Corpus Do You Need for ₹1 Lakh Monthly Income?

This is the most common question investors ask. At different return assumptions, here's what you need for ₹1,00,000/month for 20 years:

At 5% (Conservative): You need approximately ₹1.51 Crore
At 7% (Moderate): You need approximately ₹1.29 Crore
At 9% (Aggressive): You need approximately ₹1.11 Crore

Always plan at the conservative or moderate rate. If your corpus survives at 5%, you are protected in any market condition.

SWP vs FD for Monthly Income

Tax efficiency: SWP from equity funds taxed at 10% LTCG on gains. FD interest taxed at your full slab rate (up to 30%).
Returns: Balanced hybrid funds have historically returned 8–10% vs FD's 6.5–7.5%.
Inflation protection: SWP corpus can grow in real terms. FD returns barely beat inflation.
Flexibility: Change SWP amount anytime. FD premature withdrawal attracts penalty.

Frequently Asked Questions

How much do I need to invest for ₹50,000 monthly income?

At 9% p.a. for 20 years, you need approximately ₹55–60 lakhs. At the safer 7% assumption, around ₹65 lakhs. Use the "I want a monthly income" mode above to calculate your exact number.

Will my corpus get exhausted?

If you withdraw more than the corpus earns each month, the balance depletes over time. Our calculator shows a clear warning if this happens. Thumb rule: keep annual withdrawal below 6–8% of corpus for long-term sustainability.

Which funds are best for SWP?

Balanced Advantage Funds (BAF) are the most popular for SWP — they dynamically manage equity-debt allocation, reducing volatility. Aggressive Hybrid Funds and Equity Savings Funds are also suitable depending on your risk appetite.

Is SWP income taxable?

Only the gain portion of each withdrawal is taxable — not the full amount. For equity funds held over 1 year, LTCG of 10% applies on gains above ₹1 lakh/year. This makes SWP far more tax-efficient than FD interest for investors in the 20–30% tax bracket.