SWP Calculator

Calculate your mutual fund Systematic Withdrawal Plan (SWP) to generate a steady monthly income.

Your initial mutual fund corpus.
Amount you wish to withdraw every month.
Bhai, your withdrawal amount is too high! Your fund will become zero before the tenure ends.

SWP Summary

Total Investment

₹0

Total Amount Withdrawn

₹0

Final Corpus Value

₹0

How Does an SWP Calculator Help You Plan Retirement?

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money from your mutual fund investments every month. It acts as the perfect vehicle for generating a regular, steady pension-like income during your retirement years. Because your remaining balance stays invested in the market, it continues to earn returns, often beating inflation.

Using our online SWP calculator helps you visualize the longevity of your corpus. By inputting your total investment and your desired monthly withdrawal, the SWP formula accurately calculates if your money will last through your selected tenure or if it will run out. A safe rule of thumb is to keep your annual withdrawal rate lower than your expected annual return rate so your mutual fund corpus continues to grow.

Frequently Asked Questions About Systematic Withdrawal Plans

What is the difference between SIP and SWP?
SIP (Systematic Investment Plan) is a method to build wealth by investing a fixed amount every month. SWP (Systematic Withdrawal Plan) is the exact opposite; it is a method to consume wealth by withdrawing a fixed amount every month from a lump sum you have already invested.
Is the amount withdrawn via SWP taxable?
When you do an SWP, you are redeeming mutual fund units. The principal amount is not taxed, but the capital gains on those redeemed units are subject to tax. For equity funds held for more than a year, Long Term Capital Gains (LTCG) over ₹1.25 Lakh per year are taxed at 12.5% (as per latest budgets).
What happens if my withdrawal is higher than the returns?
If you withdraw more money than the fund earns in interest/returns, you will start eating into your original principal amount. If this continues, your mutual fund corpus will eventually drop to zero.

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