SWP Calculator
Calculate how long your investment will last with monthly withdrawals
SWP 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 balanceResult:
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.