SWP Calculator

A Systematic Withdrawal Plan lets you redeem a fixed amount from a mutual-fund investment at regular intervals — usually monthly. The rest of your money stays invested and continues to earn returns, so an SWP can provide a steady income stream while still growing the remaining corpus.

A lump-sum withdrawal takes everything out at once, ending all future growth and often triggering a large tax event in a single year. An SWP spreads withdrawals over time, so the un-withdrawn balance keeps compounding and your capital-gains tax is spread across many years and units.

Yes. Each SWP withdrawal is treated as a partial redemption, and only the gains portion of each withdrawal is taxable as capital gains — not the whole amount. The rate depends on the fund type and how long those units were held. This calculator shows gross figures before tax; consult a tax advisor for your specific situation.

It depends on your withdrawal rate versus your return rate. If you withdraw more than your corpus earns, the balance shrinks every month and will eventually hit zero. This calculator simulates every month and warns you of the exact year your corpus would run out, so you can lower the withdrawal or adjust expectations before committing.

Retirees often want a dependable monthly payout without cashing out their whole portfolio. An SWP delivers that predictable income while keeping the balance invested for growth and inflation protection, and it's more tax-efficient than dividends because only the gains in each withdrawal are taxed.