Systematic Withdrawal Plan (SWP) Calculator – Mutual Fund Monthly Income Tool 100% Free

Use our free SWP calculator to estimate your monthly income from mutual funds. Plan withdrawals, check corpus sustainability, and understand tax impact with this easy tool.

SWP Calculator

Estimate your regular income and corpus longevity with a Systematic Withdrawal Plan

Initial Investment: ₹0

Total Amount Withdrawn: ₹0

Remaining Corpus: ₹0

Net Capital Change: ₹0

Total Growth Earned: ₹0

*Disclaimer: This calculator provides estimates based on an assumed constant rate of return and monthly withdrawals. Actual returns and corpus longevity may vary due to market volatility and actual withdrawal patterns.

What Is a Systematic Withdrawal Plan (SWP)?

A systematic withdrawal plan (SWP) is a feature offered by mutual funds that allows investors to withdraw a fixed amount at regular intervals from their investment corpus. It is the reverse of a SIP – instead of investing monthly, you withdraw monthly while the remaining money stays invested. SWPs are popular for generating steady post-retirement income from mutual fund investments.

Tool Features-

Our swp calculator helps users estimate the sustainability of their mutual fund swp by simulating withdrawals, remaining corpus, and total gains. This systematic withdrawal plan calculator is ideal for retirees, passive income seekers, and financial planners.

Key features include:

Flexible input for initial investment, monthly withdrawal, expected return, and withdrawal period
Outputs include total amount withdrawn, remaining corpus, and total growth
Clear visualization of corpus change over time
Works for both equity and debt swp mutual funds
Insight on how swp works in mutual fund and corpus appreciation or depletion
No sign-up required. Accurate results. Works instantly.

How SWP Works

SWP lets you withdraw a fixed amount monthly from your invested corpus, while the rest stays invested and earns returns. This allows:

Regular income post-retirement
Better inflation protection than FDs
Tax efficiency, especially with long-term equity funds

The formula simulates each month:

Add monthly returns to remaining corpus
Subtract withdrawal
Repeat over the chosen tenure

Common Use Cases / Scenarios

How long will my ₹30 lakh corpus last if I withdraw ₹25,000 monthly?
→ Use the swp calculator to simulate this scenario and check if the corpus depletes or sustains based on expected returns.

How much monthly income can I generate from ₹1 crore?
→ At 9% expected return, you can withdraw approx ₹70,000/month for 20+ years without depleting fully.

Is swp better than sip for monthly income?
→ SIP is for investing, SWP is for withdrawing income. For retirement, swp in mutual funds offers steady payouts with tax advantages.

What is the tax on swp mutual fund withdrawal?
→ Long-term gains from equity swp over ₹1L/year are taxed at 10%. Debt fund gains are taxed as per slab with indexation if held over 3 years.

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Frequently Asked Questions

What is the best SWP plan for monthly income in India?

Equity hybrid mutual funds or debt-oriented funds with low volatility are best for stable monthly SWP income.

Is SWP good for retirement planning?

Yes, SWP provides regular income while allowing the corpus to grow, making it ideal for post-retirement needs.

How is SWP taxed in mutual funds?

Tax depends on fund type (equity/debt), holding period, and gain. LTCG applies after 1 year (equity) or 3 years (debt).

Can I stop or modify my SWP anytime?

Yes, SWPs are flexible. You can pause, increase, decrease, or stop withdrawals anytime.

Does SWP affect my corpus negatively?

If withdrawals exceed returns, the corpus will shrink. The swp calculator helps check this before starting.

Systematic Withdrawal Plan (SWP) Calculator – Mutual Fund Monthly Income Tool 100% Free

SWP Calculator

What Is a Systematic Withdrawal Plan (SWP)?

Tool Features-

How SWP Works

Common Use Cases / Scenarios

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Frequently Asked Questions

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