SWP Calculator
Plan your Systematic Withdrawal Plan — track monthly payouts, remaining corpus, and estimated interest earned.
📌 What is SWP?
Systematic Withdrawal Plan lets mutual fund investors withdraw a fixed sum regularly while keeping the remaining corpus invested and growing.
🏦 Ideal For Whom?
SWP is perfect for retirees, people seeking regular income from lump-sum investments, or those who want a passive monthly income stream.
🆚 SWP vs FD
SWP from equity funds may deliver higher post-tax returns than bank FDs, since long-term capital gains are taxed at just 12.5% above ₹1.25 lakh.
📊 SWP Formula
FV = P × (1+r)ⁿ − W × [(1+r)ⁿ − 1] / r
Where r = Annual Return ÷ 12 ÷ 100
What is SWP (Systematic Withdrawal Plan)?
SWP or Systematic Withdrawal Plan is a facility offered by mutual funds that allows investors to withdraw a fixed amount at regular intervals from their invested corpus. It is ideal for generating regular income, especially during retirement.
How is SWP return calculated?
SWP returns are calculated using the formula: FV = P × (1+r)ⁿ − W × [(1+r)ⁿ − 1] / r, where P is the initial investment, r is the monthly interest rate (Annual % ÷ 12 ÷ 100), n is the total number of months, and W is the monthly withdrawal amount.
Is SWP better than FD for monthly income?
SWP from equity mutual funds can potentially offer higher post-tax returns than FDs because long-term capital gains on equity funds are taxed at a lower rate (12.5% above ₹1.25 lakh). However, SWP returns depend on market performance, making them less predictable than FDs.
What is the minimum investment for SWP in India?
Most mutual funds in India require a minimum investment of ₹5,000–₹10,000 for SWP. The minimum monthly withdrawal is typically ₹500–₹1,000, depending on the fund house.
How long can I run an SWP?
You can run an SWP for any duration as long as your corpus lasts. Our calculator helps you determine exactly how many months your investment will last based on your withdrawal amount and expected returns.
Is SWP taxable in India?
Yes, SWP withdrawals are subject to capital gains tax. For equity mutual funds: gains withdrawn within 1 year attract STCG tax at 20%, while gains held beyond 1 year are taxed as LTCG at 12.5% above ₹1.25 lakh (as per Budget 2024).
Can SWP corpus get depleted to zero?
Yes — if your monthly withdrawal is higher than the monthly returns generated by your corpus, the principal gradually decreases. Our calculator clearly shows if and when your corpus is expected to deplete and warns you accordingly.