SWP Calculator – Plan Your Monthly Withdrawals
Calculate how much you can withdraw monthly from your investment corpus. See how long your money lasts and what your remaining balance will be year by year.
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About SWP Calculator
Calculate how much you can withdraw monthly from your investment corpus. See how long your money lasts and what your remaining balance will be year by year.
Frequently Asked Questions
What is SWP (Systematic Withdrawal Plan)?
SWP is a facility in mutual funds that allows investors to withdraw a fixed amount regularly (monthly/quarterly). It's the reverse of SIP and is commonly used for regular income post-retirement.
Is SWP better than FD interest for retirement?
SWP from equity mutual funds can potentially offer better tax efficiency and higher returns than FD interest income. However, unlike FD, returns are market-linked and not guaranteed.
Is SWP income taxable?
Each SWP withdrawal is treated as a redemption. If units were held for over 1 year, gains are taxed at 10% LTCG above ₹1 lakh. Short-term gains (under 1 year) are taxed at 15%.
Is this calculator free?
Yes, 100% free. No signup required.