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SWP Calculator. Plan Your Systematic Withdrawal Plan from Mutual Funds
A Systematic Withdrawal Plan (SWP) allows mutual fund investors to withdraw a fixed amount from their investment at regular intervals — monthly, quarterly, or annually. It is the reverse of a SIP and is especially popular among retirees and those seeking a regular supplementary income from their corpus without redeeming the entire investment at once.
Our free SWP Calculator helps you plan how long your mutual fund corpus will last, or how much you can withdraw each month without depleting your investment. Enter your initial investment amount, the expected rate of return on your portfolio, your desired monthly withdrawal, and the calculator will show you the remaining balance over time and the total amount withdrawn.
SWP is a tax-efficient alternative to traditional income-generating instruments. Only the gains portion of each withdrawal is taxable though not the principal. For equity mutual funds held for more than one year, long-term capital gains (LTCG) up to ₹1.25 lakh per year are tax-free, making SWP a highly attractive option for regular income.
Use this SWP calculator to design a withdrawal strategy that balances your income needs today with preserving your corpus for the future. It is an ideal tool for retirement income planning and financial goal management.