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SWP Calculator

Calculate how long your investment will last with monthly withdrawals

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SWP Details

₹
₹
10
10%

SWP Analysis

Enter SWP details to see withdrawal analysis

Systematic Withdrawal Plan (SWP) Calculator

SWP allows you to withdraw a fixed amount regularly from your mutual fund investment. Ideal for creating regular income in retirement while remaining invested.

Formula

Where r = monthly return rate. Calculation continues until balance is exhausted or reaches target period.

Example Calculation

Scenario:

Initial investment ₹50 lakh, monthly withdrawal ₹40,000, expected return 8% p.a.

Calculation:

Month-by-month withdrawal with growth on remaining balance

Result:

Investment can last approximately 16 years

Key Points

  • •Provides regular income while keeping money invested and growing
  • •More tax-efficient than interest income as only capital gains are taxed
  • •Can outlast Fixed Deposits if returns are good
  • •Withdrawal amount can be adjusted based on needs
  • •Choose between fixed amount or capital appreciation withdrawal

Tax Implications:

  • •Each withdrawal triggers capital gains tax based on holding period
  • •Tax calculated only on gains portion, not entire withdrawal
  • •Equity funds: LTCG at 12.5% (>12 months), STCG at 20%
  • •More tax efficient than FD interest which is taxed at slab rates
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.