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SWP Calculator
Calculate Systematic Withdrawal Plan returns and estimate how long your mutual fund investment will last with regular monthly withdrawals.
Calculate Systematic Withdrawal Plan returns and estimate how long your mutual fund investment will last with regular monthly withdrawals.
Your investment will last the entire duration with a remaining corpus of ₹14,60,077.
| Period | Opening Balance | Withdrawal | Returns | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹10,00,000.00 | ₹96,000.00 | ₹1,21,365.01 | ₹10,25,365.01 |
| Year 2 | ₹10,25,365.01 | ₹96,000.00 | ₹1,24,581.92 | ₹10,53,946.93 |
| Year 3 | ₹10,53,946.93 | ₹96,000.00 | ₹1,28,206.83 | ₹10,86,153.76 |
| Year 4 | ₹10,86,153.76 | ₹96,000.00 | ₹1,32,291.46 | ₹11,22,445.22 |
| Year 5 | ₹11,22,445.22 | ₹96,000.00 | ₹1,36,894.12 | ₹11,63,339.34 |
| Year 6 | ₹11,63,339.34 | ₹96,000.00 | ₹1,42,080.52 | ₹12,09,419.86 |
| Year 7 | ₹12,09,419.86 | ₹96,000.00 | ₹1,47,924.69 | ₹12,61,344.55 |
| Year 8 | ₹12,61,344.55 | ₹96,000.00 | ₹1,54,510.04 | ₹13,19,854.59 |
| Year 9 | ₹13,19,854.59 | ₹96,000.00 | ₹1,61,930.57 | ₹13,85,785.16 |
| Year 10 | ₹13,85,785.16 | ₹96,000.00 | ₹1,70,292.22 | ₹14,60,077.38 |
Systematic Withdrawal Plan (SWP) is a mutual fund facility that allows you to withdraw a fixed amount at regular intervals (monthly, quarterly, etc.) from your investment.
It's the opposite of SIP (Systematic Investment Plan). While SIP helps you invest regularly, SWP helps you withdraw regularly from your accumulated corpus.
SWP is particularly useful for retirees who need a regular income stream or investors who want to book profits systematically without redeeming their entire investment at once.
The withdrawn amount is calculated by redeeming the required number of units at the prevailing Net Asset Value (NAV). Your remaining investment continues to earn returns.
Scenario: You have ₹10,00,000 invested in a mutual fund and want to withdraw ₹8,000 per month for 10 years, expecting a 12% annual return.
Result:
Your investment not only sustains the withdrawals but also grows significantly due to the power of compounding on the remaining balance.
If your monthly withdrawal is higher than the returns generated, your corpus will gradually deplete. Our calculator shows you a warning if this happens, along with an estimate of when your funds will run out.
Yes, most mutual funds allow you to modify your SWP amount, frequency, or even pause/stop it entirely without any penalties.
SWP withdrawals are treated as redemption and taxed as capital gains. For equity mutual funds: LTCG (>1 year) taxed at 12.5% above ₹1.25 lakh, STCG at 20%. For debt funds: taxed as per your income tax slab.
The minimum SWP amount varies by fund house, typically ranging from ₹500 to ₹1,000 per installment.
SWP offers more control and predictability compared to dividend options. With SWP, you decide the withdrawal amount and timing, whereas dividends depend on fund performance and management decisions. SWP is also more tax-efficient in many cases.