SWP Calculator

Plan systematic withdrawals • Corpus duration • Balance tracking

SWP Calculator

Systematic Withdrawal
FiftyLakh
TwentyFiveThousand
%
Years
Withdrawal Rate: 6.0% p.a

✓ Sustainable - corpus may last longer or grow

Withdrawal vs balance

Compare how much income you have drawn out against the corpus still left invested.

Balance over time

See whether the corpus keeps compounding, stabilizes, or gets depleted under your withdrawal plan.

Regular Income

Steady monthly cash flow from investments

Tax Efficient

Only gains taxed, not principal

Flexible

Change amount or stop anytime

Retirement Ready

Ideal for post-retirement income

About SWP Calculator

The SWP Calculator helps you plan regular withdrawals from your mutual fund investments. It's the reverse of SIP - perfect for retirees or anyone needing steady income from their corpus while the remaining amount continues to earn returns.

How to use: Enter your initial investment, monthly withdrawal amount, expected returns, and withdrawal period. The calculator shows how long your money will last, total withdrawals, remaining balance, and year-by-year projections.

Frequently Asked Questions

SWP is the opposite of SIP. It allows you to withdraw a fixed amount regularly from your mutual fund investment while the remaining amount continues to earn returns. It's ideal for creating a regular income stream from your investments, especially during retirement.
In SWP, you invest a lump sum in a mutual fund. Every month (or quarter), a fixed amount is withdrawn by redeeming units. The remaining investment continues to grow based on market returns. This creates a steady income while your money remains invested.
Only the capital gains portion of each SWP withdrawal is taxable, not the entire amount. For equity funds, gains are tax-free up to ₹1 lakh/year (LTCG). For debt funds, gains are added to income and taxed at slab rate. SWP is more tax-efficient than FD interest which is fully taxable.
For regular income: Debt funds or hybrid conservative funds for stability. For long-term growth with income: Balanced advantage funds or equity hybrid funds. Choose funds with low expense ratios and consistent returns. Avoid high volatility equity funds for essential income needs.
It depends on your withdrawal rate vs returns. If your annual withdrawal is less than the annual returns, your corpus may grow or last indefinitely. A commonly suggested 'safe withdrawal rate' is 4-6% per year. Higher withdrawal rates deplete the corpus faster.
Yes, most fund houses allow you to modify, pause, or stop SWP anytime. You can also change the withdrawal date or frequency. There's usually no penalty for such changes, unlike breaking an FD.
SWP advantages: Potentially higher returns, tax efficiency, flexibility, inflation-beating potential. FD advantages: Guaranteed returns, no market risk. SWP is better for long-term income needs; FD is better for short-term safety.
If the fund gives negative returns, your corpus will deplete faster as withdrawals continue while the investment loses value. This is why it's important to choose stable funds and not withdraw more than 4-6% annually for sustainable income.