How to use the SWP Calculator
- Enter the lump sum invested in the fund.
- Enter the monthly amount you want to withdraw and the expected return.
- Choose the period and press Calculate SWP.
SWP Calculator formula
Each month: Balance = Balance × (1 + r/12) − Withdrawal
r = annual return ÷ 100. The calculator repeats this for every month of the period.
Worked example
₹10,00,000 invested, ₹8,000 withdrawn every month, 8% return for 10 years: you withdraw ₹9,60,000 and about ₹7,56,072 is still left.
Frequently asked questions
What is SWP?
A Systematic Withdrawal Plan lets you take out a fixed amount from a mutual fund at regular intervals, like a monthly income.
How long will my SWP last?
If your withdrawal is less than the monthly return, the money can last indefinitely. If it is higher, the balance falls; the calculator shows when it runs out.
Is SWP taxable?
Each withdrawal is partly your capital and partly gains. Only the gain portion is taxed as capital gains.
What is a safe withdrawal rate?
Many planners suggest withdrawing 4–6% of the corpus per year to make it last longer, but it depends on returns and inflation.
Is SWP better than FD interest?
SWP from equity or hybrid funds can be more tax-efficient than FD interest, but the returns are not guaranteed.