SWP Calculator: Plan a Steady Withdrawal Income

Want a regular income from your investments without draining them too fast? This SWP calculator helps you plan.

What is it?

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount regularly from a mutual fund while the balance keeps earning returns.

How is it calculated?

Each period, the withdrawal is subtracted and the remaining balance grows at the assumed return; the calculator tracks how long the corpus lasts.

Example

On a ₹50 lakh corpus at 9%, withdrawing ₹30,000 a month can last for many years because returns partly replenish the withdrawals.

Key things to know

• Keep the withdrawal rate below the expected return to preserve capital.
• SWP from equity funds can be more tax-efficient than FD interest.
• Review the plan if markets fall sharply.
• Useful for retirees needing monthly cash flow.

What to do next

Set up an SWP through your mutual fund platform.

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Frequently asked questions

Will my corpus run out?
Not if withdrawals stay below the return; the calculator shows the timeline.

How is SWP taxed?
Each withdrawal is treated as a partial redemption with capital-gains rules.

SWP or dividend option?
SWP gives more control and predictability.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.