SWP Calculator
Calculate SWP returns instantly. Estimate monthly withdrawal, remaining corpus & total withdrawn using mutual fund SWP formula.
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount regularly from their mutual fund investments. It is widely used in India for generating monthly income during retirement.
This SWP Calculator estimates total withdrawn amount and remaining corpus based on expected returns and withdrawal period.
What is SWP?
SWP stands for Systematic Withdrawal Plan. It allows investors to redeem a fixed amount periodically from mutual fund investments.
How SWP Works
Each month:
- The investment grows at expected return rate
- Fixed withdrawal amount is deducted
- Remaining corpus continues compounding
Example
If you invest ₹10 lakh and withdraw ₹10,000 monthly at 10% annual return, your corpus may still grow depending on withdrawal rate.
Benefits of SWP
- Regular income source
- Tax-efficient withdrawals
- Better than traditional fixed deposits
- Flexible withdrawal amount
Who Should Use SWP?
- Retirees
- Passive income seekers
- Long-term investors
Use this SWP Calculator to plan retirement income efficiently.
Frequently Asked Questions
What is SWP in mutual funds?
SWP allows investors to withdraw fixed amounts periodically from mutual fund investments.
Is SWP better than FD?
SWP may provide higher returns compared to fixed deposits, but it carries market risk.
Is SWP taxable?
Yes, capital gains tax applies on withdrawn amount based on holding period.
Can SWP exhaust corpus?
Yes, if withdrawal rate exceeds growth rate, corpus may deplete.
Is SWP suitable for retirement?
Yes, SWP is commonly used for generating retirement income.