SWP Calculator
Free · Live calculation · Your data stays in your browser
Withdrawal Plan
Monthly income from your investment
Conservative MFs: 6-8%, Hybrid: 8-10%
Final Balance Remaining
₹5,36,599
After withdrawing ₹20,000/month for 20 years
Total Withdrawn
₹48,00,000
Net Returns
+₹28,36,599
Months Lasted
240
Insight
Your investment outlasts 20 years and still has ₹5,36,599 left over — great financial freedom plan!
Pro Tip
- •SWP from equity MFs is more tax-efficient than dividends (LTCG benefits).
- •The 4% rule: Withdrawing 4% per year is considered the safe withdrawal rate.
- •Use SWP for monthly income post-retirement - mimics a salary.
- •Set up SWP date 2-3 days before your monthly expenses are due.
What is SWP Calculator?
SWP (Systematic Withdrawal Plan) is the opposite of SIP. Instead of investing monthly, you withdraw a fixed amount monthly from your existing mutual fund corpus. SWP is ideal for retirees who want regular income without selling their entire investment, or anyone needing periodic cash flow while keeping the rest invested for growth.
How to Use
- 1Enter total investment corpus available
- 2Enter monthly withdrawal amount you need
- 3Set expected return on the remaining balance
- 4Set the period you want to withdraw for
- 5See if your money will outlast the period or run out earlier
Formula
Each month: Balance = (Previous Balance × (1 + monthly_rate)) − Monthly_Withdrawal
Money lasts until balance < monthly withdrawal amountFrequently Asked Questions
SWP is more tax-efficient than dividends. SWP withdrawals only attract LTCG/STCG on the gains portion (with ₹1L LTCG exemption), while dividends are taxed at your full slab rate. SWP is the preferred income strategy for retirees.