SWP Calculator
Calculate corpus remaining after systematic monthly withdrawals.
Input Values
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₹
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Years
Results
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⚠️ Results are indicative only. Consult a qualified professional before making any decisions.
What is this Calculator?
The SWP (Systematic Withdrawal Plan) Calculator helps you estimate how long your investment corpus will last when you withdraw a fixed amount every month. SWP is commonly used by retirees to create a regular income stream from their mutual fund investments.
How to Use
1
Enter Initial Investment: Enter your total invested corpus amount.
2
Enter Monthly Withdrawal: Enter the fixed amount you plan to withdraw every month.
3
Enter Return Rate: Enter the expected annual return rate on your investment.
4
Enter Time Period: Enter the number of years for the SWP.
5
View Results: See Initial Corpus, Total Withdrawn, and Remaining Corpus.
Frequently Asked Questions
SWP (Systematic Withdrawal Plan) is a facility that allows you to withdraw a fixed amount from your mutual fund at regular intervals (monthly/quarterly). It is ideal for creating a regular income in retirement.
SWP from equity or balanced funds can provide higher returns than FD interest, while keeping the principal invested and growing. However, unlike FD, SWP returns are market-linked.
Each SWP redemption is treated as a partial sale of mutual fund units. Short-term capital gains (held < 1 year) are taxed at 15%, and long-term gains above ₹1 lakh are taxed at 10%.
If the withdrawal rate exceeds the return rate, the corpus will eventually deplete. If returns are higher than withdrawals, the corpus may actually grow over time. Our calculator shows the remaining balance.
A commonly used rule of thumb is the 4% rule — withdraw up to 4% of your corpus annually for a 30-year retirement horizon. Adjust based on your specific return assumptions.
Yes, most mutual fund houses allow you to modify or pause your SWP amount at any time without penalty.