SWP Calculator — Withdrawal Plan
Plan how to draw a regular income from your mutual fund investments. Enter your invested corpus, desired monthly withdrawal, and expected fund return to see how long your money will last. The calculator shows the declining balance month by month, the total amount withdrawn, and whether your corpus survives the planned duration. SWP is one of the most tax-efficient ways to generate regular cash flow in retirement, and this tool helps you find the right withdrawal amount that balances income needs with corpus longevity.
SWP Calculator
Systematic Withdrawal Plan
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
An SWP lets you withdraw a fixed amount from your mutual fund investment at regular intervals — monthly, quarterly, or annually. The remaining corpus stays invested and continues to earn returns. It is the opposite of a SIP: instead of putting money in periodically, you take it out. SWP is popular among retirees who want a steady income stream without redeeming their entire investment at once.
How is SWP taxed?
Each SWP withdrawal is treated as a partial redemption, and only the capital gains portion is taxed — not the full withdrawal amount. For equity funds held over 1 year, long-term capital gains above Rs 1.25 lakh are taxed at 12.5%. For debt funds, gains are taxed at your income tax slab rate. This makes SWP more tax-efficient than FD interest, where the entire interest amount is taxable every year.
How do I ensure my SWP corpus lasts long enough?
The key is to keep your withdrawal rate below your expected return rate. If your fund earns 10% and you withdraw 6%, the corpus grows over time. If withdrawals exceed returns, the corpus depletes. A withdrawal rate of 4-5% from an equity-oriented fund is generally considered sustainable over 25-30 years. Also consider stepping up withdrawals gradually rather than taking a large fixed amount from the start.