Smart SWP Calculator
Generate a regular monthly income from your investments. Calculate total withdrawals, capital appreciation, and remaining balance with a Systematic Withdrawal Plan.
Regular Income
Fixed monthly payouts
Growth
Balance earns interest
Tax Efficient
Better than Dividend
Flexibility
Start/Stop anytime
What is an SWP Calculator?
A tool designed to help investors plan regular withdrawals from their mutual fund investments while monitoring capital erosion or appreciation.
Your Income Planner
A Systematic Withdrawal Plan (SWP) allows you to withdraw a specific amount from your mutual fund scheme at regular intervals (usually monthly). It is the opposite of SIP. This calculator helps you determine if your withdrawal rate is sustainable and how long your corpus will last.
Capital Appreciation
If your withdrawal rate is lower than the fund's return rate, your capital will continue to grow despite withdrawals.
Rupee Cost Averaging
Just like SIP, SWP helps in averaging. You sell fewer units when markets are up and more units when markets are down to meet the fixed withdrawal amount.
Tax Efficiency
In SWP, you only pay tax on the capital gains part of the withdrawal, not the principal, making it more tax-efficient than FDs.
Final Value
Instantly see the remaining balance of your investment after the tenure ends.
Total Withdrawal
Track the cumulative amount you have withdrawn over the selected time period.
Detailed Schedule
Get a year-wise breakdown of opening balance, interest earned, withdrawal, and closing balance.
Why Choose Our SWP Calculator?
Capital Depletion Alert
We automatically detect if your withdrawal rate is too high and will show if your funds run out before the tenure ends.
Dual Output
We show you exactly how much profit you made (Total Value - Initial Investment) considering both withdrawals and remaining balance.
Visual Breakdown
Our interactive charts clearly distinguish between the amount withdrawn and the amount still growing in the fund.
SWP Calculator
Plan your monthly income and track your portfolio balance.
How to Use the SWP Calculator
Three easy steps to visualize your monthly income plan.
Input Corpus & Withdrawal
Enter your total lumpsum investment (e.g., ₹20 Lakhs) and the amount you wish to withdraw monthly (e.g., ₹12,000).
Set Returns & Duration
Estimate the annual return rate of your mutual fund (e.g., 8% for Hybrids) and the duration for which you need the income.
Analyze Results
Click 'Calculate SWP' to see if your capital grows or depletes. Use the chart to check the final portfolio value.
Decoding SWP Terms
Understand the mechanism before you invest.
| Term | Definition | Impact |
|---|---|---|
| Capital Erosion | Withdrawing more than the returns generated. | Principal amount decreases over time. |
| Capital Appreciation | Withdrawing less than the returns generated. | Principal grows despite monthly payouts. |
| Exit Load | Penalty for redeeming units within 1 year. | Reduces withdrawal amount slightly in Year 1. |
| Capital Gains Tax | Tax on the profit portion of withdrawal. | Efficient: Principal is not taxed, only gain is. |
Why Choose SWP?
SWP is one of the most efficient ways to manage cash flow in retirement.
Tax Efficiency
Unlike Fixed Deposit interest which is fully taxable as per slab, SWP withdrawals are treated as capital gains. For equity funds, gains up to ₹1.25 Lakh/year are tax-free, and the rest taxed at 12.5%. This saves significant tax for retirees.
Better Returns
While FDs offer fixed low rates, Mutual Funds (Hybrid/Debt) have the potential to beat inflation. With SWP, you stay invested in the market, allowing the remaining corpus to grow.
SWP vs Dividend vs FD
How does Systematic Withdrawal compare to traditional income methods?
SWP
Best for regular income with tax efficiency and growth potential.
Bank FD
Best for guaranteed returns with zero risk, but high tax.
Who Should Use SWP Calculator?
Discover how our SWP calculator helps different individuals plan for financial freedom.
Retirees
Retirees with a lump sum corpus (PF/Gratuity) can invest in a conservative hybrid fund and start an SWP to replace their monthly salary.
Career Break / Sabbatical
If you are taking a break from work for studies or travel, an SWP from your savings can fund your daily expenses without depleting the capital rapidly.
F.I.R.E. Movement
Financial Independence, Retire Early. Use SWP to calculate if your corpus can support your lifestyle for the next 40 years using the 4% withdrawal rule.
SWP Example
See how money grows even while withdrawing.
Invest ₹20 Lakhs, Withdraw ₹12k/mo
Profile: Conservative Fund (8% Return) for 10 Years
Result: You withdrew ₹14.4L, yet your original ₹20L grew to ₹28.6L because withdrawal rate < return rate.
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Frequently Asked Questions
Common queries about SWP.
Is SWP taxable?
SWP is treated as redemption of mutual fund units. The principal component is tax-free. The gain component is taxed as Capital Gains (LTCG or STCG) depending on holding period and fund type. Equity LTCG up to ₹1.25 Lakh/year is exempt.
Can I stop SWP anytime?
Yes, SWP is fully flexible. You can start, stop, increase, or decrease the withdrawal amount at any time without any penalty (except exit load if applicable in the first year).
What is a safe withdrawal rate?
Financial experts often suggest a withdrawal rate lower than the fund's expected return rate to keep the capital intact. For retirees, a 4% to 6% annual withdrawal rate is generally considered sustainable.