SWP Calculator — Systematic Withdrawal Plan
Plan your regular income from a mutual fund corpus. See how long your investment lasts and what remains after all withdrawals.
SWP Details
Remaining Corpus
₹11.38 L
After withdrawing for 15 years
Total Withdrawn
₹14.40 L
Returns Earned
₹15.78 L
Active Months
180
Remaining Corpus
₹11.38 L
Corpus Depletion Over Time
Monthly Breakdown
180 months total| Month | Withdrawal | Returns | Balance |
|---|---|---|---|
| Month 1 | ₹8,000 | ₹8,333 | ₹10.00 L |
| Month 2 | ₹8,000 | ₹8,336 | ₹10.01 L |
| Month 3 | ₹8,000 | ₹8,339 | ₹10.01 L |
| Month 4 | ₹8,000 | ₹8,342 | ₹10.01 L |
| Month 5 | ₹8,000 | ₹8,345 | ₹10.02 L |
| Month 6 | ₹8,000 | ₹8,347 | ₹10.02 L |
| Month 7 | ₹8,000 | ₹8,350 | ₹10.02 L |
| Month 8 | ₹8,000 | ₹8,353 | ₹10.03 L |
| Month 9 | ₹8,000 | ₹8,356 | ₹10.03 L |
| Month 10 | ₹8,000 | ₹8,359 | ₹10.03 L |
| Month 11 | ₹8,000 | ₹8,362 | ₹10.04 L |
| Month 12 | ₹8,000 | ₹8,365 | ₹10.04 L |
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What is SWP and How Does It Work?
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals — typically monthly. Unlike selling your entire investment at once, SWP ensures you withdraw only what you need while the remaining corpus stays invested, potentially earning returns that offset the withdrawals. For example, a ₹50 lakh corpus in a fund returning 10% annually can sustain withdrawals of ₹45,000/month for over 20 years. SWP is widely used by retirees and near-retirees to generate steady monthly income. It is the most tax-efficient way to create a regular income stream from your accumulated wealth.
How to Use the SWP Calculator
- 1.Total Investment: Enter your current corpus or planned investment amount.
- 2.Monthly Withdrawal: Enter how much you want to withdraw every month.
- 3.Expected Return: Enter the anticipated annual return of your fund (use conservative estimates for planning).
- 4.Tenure: Enter how many years you plan to withdraw.
- 5.Result: See the remaining corpus, total withdrawn, and month-by-month table. If corpus goes to zero, reduce withdrawal or increase investment.
SWP vs FD Interest — Post-Retirement Income
SWP from Equity Fund
- ✓Corpus stays invested, earns market returns
- ✓Only gains are taxed (LTCG at 10%)
- ✓Can beat inflation over time
- ✓Flexible — change amount anytime
FD Interest Income
- ✓Fixed guaranteed return
- ✓Full interest taxed at income slab
- ✓Does not beat inflation at high slabs
- ✓No flexibility once booked