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Mutual Funds

SWP Calculator

A Systematic Withdrawal Plan (SWP) lets you draw a fixed monthly income from your mutual fund corpus while the remainder keeps growing. Ideal for retirees and anyone needing predictable cashflow.

₹
₹1,00,000₹5,00,00,000
₹
₹1,000₹5,00,000
%
1%20%
yrs
1 yrs40 yrs
Total Withdrawn₹12,00,000
Final Balance₹3,90,180
SIP

Formula

FV = P × (1 + i)^n − W × ((1 + i)^n − 1) / i

Balance after periodic withdrawals from a growing corpus.

Where

  • FV= Final balance after withdrawals
  • P= Initial corpus invested
  • W= Monthly withdrawal amount
  • i= Monthly rate of return
  • n= Number of months

How to use the SWP Calculator

  1. 1Enter the corpus you've built up.
  2. 2Choose how much you'd like to withdraw each month.
  3. 3Set the expected return on the remaining corpus.
  4. 4See how long your corpus lasts.

Why it matters

  • Predictable monthly cashflow.
  • Tax-efficient compared to dividend payout.
  • Corpus continues to compound.

Ready to invest?

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Frequently asked questions

How is SWP taxed?+

Only the gains portion of each withdrawal is taxed as capital gains — far more tax efficient than FD interest.