About the SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from a mutual fund investment at regular intervals, while the balance stays invested and keeps earning. This calculator shows the total you withdraw over the period and the estimated value left at the end.
How an SWP works
Each month your corpus earns a return and a fixed withdrawal is taken out. If the return outpaces withdrawals, the corpus can last indefinitely; if withdrawals are larger, it depletes over time. SWPs are popular for retirement-style income.
SWP and tax efficiency
Because each withdrawal is partly your own capital and partly gains, only the gains portion is taxable — often more tax-efficient than fully taxable interest income. Tax depends on fund type and holding period; consult a tax adviser.
SWP Calculator — frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan withdraws a fixed amount from your mutual fund holding at set intervals (usually monthly), while the rest stays invested.
Can my corpus run out?
Yes — if your monthly withdrawal is larger than what the corpus earns, it depletes over time. The calculator shows the balance remaining at the end of the chosen period.
Is SWP better than a fixed deposit for income?
An SWP can be more tax-efficient and offer growth potential, but returns are not guaranteed and carry market risk, unlike an FD. Match the choice to your needs.