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SWP Calculator
Calculate how long your investments will last with systematic withdrawals.
Money Lasts For
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Total Withdrawn
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Interest Earned
SWP Calculator: Systematic Withdrawal Plan
Our SWP calculator helps you plan systematic withdrawals from your mutual fund investments. Perfect for retirement planning and generating regular income.
Example: ₹50 lakh investment at 8% return with ₹30,000/month withdrawal lasts approximately 23 years.
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Frequently Asked Questions
What is SWP?
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund investment regularly. It is the opposite of SIP.
How does SWP work?
You invest a lump sum, then withdraw a fixed amount monthly. The remaining amount continues to earn returns. The goal is to make your corpus last as long as needed.
SWP vs FD interest?
SWP can give higher returns than FD if invested in equity funds (10-12% vs 7%). However, SWP has market risk while FD is guaranteed.
Is SWP taxable?
Yes, SWP withdrawals from equity funds held <1 year are taxed as short-term capital gains (15%). After 1 year, gains above ₹1 lakh are taxed at 10% (LTCG).