SWP (Systematic Withdrawal) Calculator
Last Updated: 8 April 2026
SWP Calculator
Calculate monthly withdrawals and remaining balance in Mutual Funds
How it Works & Benefits
Regular Income Plan
Perfect for retirees wanting a fixed monthly income from their corpus.
Capital Protection
See if your withdrawals are sustainable without depleting the principal.
Tax Efficient
Understand how SWP is more tax-efficient than FDs for monthly income.
Frequently Asked Questions
Common queries answered for you
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund scheme regularly. It is the opposite of an SIP.
Usually, yes. In SWP, you only pay tax on the profit component of your withdrawal, whereas in FD, the entire interest is taxed at your slab rate.
Yes, if your withdrawal rate is significantly higher than the fund's return rate, your principal will eventually deplete.
What is What is a Systematic Withdrawal Plan (SWP)??
SWP is a facility provided by mutual funds that allows you to withdraw a fixed amount of money from your existing investment at regular intervals. It is considered one of the best ways to generate a regular monthly income, especially for retirees.
📊 Practical Example
"If you have ₹10 Lakhs and you withdraw ₹10,000 every month (SWP), and the fund gives a 10% return, your principal will actually grow slightly while providing you monthly income! This is the magic of SWP over FDs."
⚠️ Common Mistake
Withdrawing more than the return rate. If your fund returns 8% and you withdraw 12%, your principal will eventually vanish. Always aim for a withdrawal rate lower than the expected return for longevity.