What is a SWP Calculator?

A SWP Calculator is a financial tool that helps you calculate how long your investment will last with regular withdrawals. It shows your final corpus, total withdrawals, and helps plan retirement income.

SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount regularly from your mutual fund investment while the remaining amount continues to earn returns. It provides regular income while keeping your capital invested.

Is SWP better than FD for retirement?

SWP can be better than FD for retirement as it offers potentially higher returns (10-12% vs 6-7%), tax efficiency (only gains taxed), and flexibility in withdrawal amounts. However, SWP involves market risk unlike FDs.

What is the tax on SWP withdrawals?

For equity funds: LTCG above ₹1 lakh taxed at 10%, STCG at 15%. For debt funds: LTCG at 20% with indexation (if held >3 years), STCG at slab rates. Only capital gains portion is taxed, not the entire withdrawal.

SWP Calculator Online - Calculate Systematic Withdrawal Plan Returns

Calculate Your SWP Returns

Initial Investment₹10,00,000

₹1L₹1Cr

Monthly Withdrawal₹10,000

₹5,000₹2,00,000

Expected Return (p.a.)12%

1%20%

Time Period (Years)20 years

1 year40 years

💡Pro Tips

✓Withdraw only returns, keep capital intact
✓Consider inflation while planning withdrawals
✓Tax-efficient compared to FD interest

Withdrawal Summary

Initial Investment

₹10,00,000

Total Withdrawal

₹0

Over 0 years 0 months

Final Corpus

₹0

Corpus depleted

Corpus Status

WithdrawnRemaining

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What is SWP (Systematic Withdrawal Plan)?

Systematic Withdrawal Plan (SWP) is a facility that allows you to withdraw a fixed amount regularly from your mutual fund investment. It's the opposite of SIP - instead of investing regularly, you withdraw regularly while your remaining corpus continues to earn returns.

SWP is ideal for retirees who need regular income, investors looking to book profits systematically, or anyone who wants to create a steady cash flow from their investments. It provides tax-efficient income compared to traditional fixed deposits.