SWP Calculator (Systematic Withdrawal Plan)
Calculate your monthly regular income from mutual fund investments. Projects your total withdrawals, compound growth on remaining balance, and corpus depletion timeline.
SWP Parameters
Year-by-Year Cashflow Summary
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) allows an investor to withdraw a fixed predetermined sum of money from their mutual fund scheme at regular intervals (typically monthly), while the remaining balance continues to earn returns.
How is SWP different from a Fixed Deposit interest payout?
Unlike FD interest which is fully taxable every year as per your income tax slab, SWP from equity mutual funds triggers capital gains only on the proportionate profit component of each unit redeemed, offering substantial tax efficiency.
What happens if my monthly withdrawal exceeds the portfolio return?
If the withdrawal rate is higher than the rate of return, your principal corpus will gradually deplete over time until exhausted. Our calculator flags whether your corpus will sustain the full tenure or deplete early.