SWP Calculator
Plan your regular monthly income from mutual fund investments
Final Balance Remaining
₹6,58,592
Total Withdrawn
₹12,00,000
Total Returns
₹8,58,592
Yearly Withdrawal Summary
| Year | Cum. Withdrawn | Remaining Balance |
|---|---|---|
| Year 1 | ₹1,20,000 | ₹9,79,057 |
| Year 2 | ₹2,40,000 | ₹9,55,922 |
| Year 3 | ₹3,60,000 | ₹9,30,364 |
| Year 4 | ₹4,80,000 | ₹9,02,129 |
| Year 5 | ₹6,00,000 | ₹8,70,938 |
| Year 6 | ₹7,20,000 | ₹8,36,481 |
| Year 7 | ₹8,40,000 | ₹7,98,416 |
| Year 8 | ₹9,60,000 | ₹7,56,365 |
| Year 9 | ₹10,80,000 | ₹7,09,910 |
| Year 10 | ₹12,00,000 | ₹6,58,592 |
🔄 SWP Guide — Generate Predictable Monthly Income
"Systematic Withdrawal Plan (SWP) is a facility that allows you to withdraw a fixed amount from your mutual fund investments regularly. It is ideal for retirees or anyone looking for a steady cash flow."
⚙️ How SWP Works
When you set up an SWP, the mutual fund house redeems units worth the withdrawal amount on a specific date every month. The remaining units continue to grow as per the fund's NAV.
⚖️ Taxation Efficiency
Unlike traditional FD interest which is taxed fully, SWP is highly tax-efficient. Only the profit portion of the withdrawn amount is subject to Capital Gains tax, making your "take-home" income higher.
🚀 Why Use SWP?
- ✓Regular IncomeGet a fixed amount in your bank every month.
- ✓Better ReturnsCapital remains in equity/debt for longer growth.
- ✓Tax BenefitsLower tax burden compared to dividends or FD interest.
- ✓Inflation HedgePotential for capital appreciation alongside income.
Golden Rule: The 6% Rule
For a sustainable SWP that lasts your entire retirement, try to keep your annual withdrawal rate below 6% of the total corpus. This allows the remaining capital to tackle inflation and market dips.