📤 SWP Calculator

Systematic Withdrawal Plan (SWP) Calculator

Total Investment Amount (₹)

Expected Annual Return (%)

Monthly Withdrawal Amount (₹)

Investment Duration (Years)

What is an SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan (SWP) is a method of redeeming your mutual fund investments in a structured manner. Instead of withdrawing a lump sum, SWP allows you to withdraw a fixed amount at regular intervals—typically monthly—while the remaining amount continues to earn returns.

This approach is particularly useful for retirees, freelancers, or anyone seeking a steady income stream from their investments. It combines the benefits of regular cash flow with continued exposure to market-linked returns.

Key Benefits of SWP

Provides consistent income flow
Helps with retirement planning and expense management
Offers potential for continued capital appreciation
Reduces market timing risk by systematic withdrawals
Tax-efficient withdrawal method compared to lump sum redemptions

Frequently Asked Questions (FAQs)

1. How does an SWP Calculator help?

The SWP Calculator helps you estimate how much you can withdraw monthly from your investment over a period of time, while also tracking the remaining balance based on your expected returns.

2. Who should use an SWP?

SWP is ideal for individuals looking for a steady source of income, such as retirees or people with financial goals requiring regular cash flow.

3. Are SWP withdrawals taxable?

Yes, SWP withdrawals are subject to capital gains tax depending on the type of mutual fund and the holding period. Equity funds and debt funds have different tax rules.

4. Can I stop or change my SWP anytime?

Absolutely. Most mutual fund companies allow you to modify or cancel your SWP at any time with a simple request.

5. Is SWP better than a fixed deposit?

It depends on your risk appetite. SWP offers the potential for higher returns but involves market risk. Fixed deposits are safer but typically offer lower returns.