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SWP Calculator | Systematic Withdrawal Plan Calculation
Calculate how long your money will last under an SWP, along with total withdrawals and the remaining corpus, instantly based on total investment, monthly withdrawal and expected returns.
SWP Calculator
Set up a regular income through a Systematic Withdrawal Plan (SWP).
Frequently Asked Questions
What is an SWP and who uses it?
Under an SWP (Systematic Withdrawal Plan), a fixed amount of money moves automatically from a mutual fund to your bank account every month, while the remaining corpus stays invested. It is popular for regular income after retirement.
How long will ₹50 lakh last withdrawing ₹50,000 a month?
It depends on the returns. At an 8% annual return (withdrawing ₹50,000 a month), the corpus can last well over a decade and a half — see the exact number of months in this calculator.
How is tax applied in an SWP?
In each withdrawal, capital gains tax applies on the portion that is profit — for equity funds, the LTCG rate if held over 12 months, otherwise the STCG rate. Check the current tax rules.
Is an SWP better than an FD?
Under an SWP, the remaining money stays invested in the market and potential returns are higher, but there is risk too; an FD is safe but returns less. Many people use a mix of both in retirement.