SWP Calculator
Planning a regular monthly income from your investments? A Systematic Withdrawal Plan lets you draw a fixed amount each month while the rest stays invested. Enter your corpus, expected return and monthly withdrawal to see how long it lasts, the total you'll draw, and the balance left.
How an SWP works
- Fixed monthly income — you withdraw a set amount each month, useful for retirement or a second income.
- The rest keeps growing — only what you withdraw leaves; the balance stays invested and compounds.
- Sustainable vs. draining — if you withdraw less than the corpus earns each year, it can last indefinitely; withdraw more and it slowly runs down.
- Tax-efficient — often only the gain part of each withdrawal is taxed, which can beat an FD where all interest is taxed at your slab.
Frequently asked questions
How does an SWP work?
You invest a lump sum and withdraw a fixed amount monthly; the rest stays invested and grows. If withdrawals are below the returns, the corpus can last indefinitely; if above, it depletes. This tool simulates it month by month.
How long will my corpus last?
Depends on corpus, return and withdrawal. Roughly, if your yearly withdrawal is under the yearly return, it can last decades; withdraw more and it runs down. Enter your numbers to see the exact duration and balance.
Is SWP better than an FD for income?
An SWP from a debt/hybrid fund can be more tax-efficient (only the gain portion is taxed), but it carries market risk unlike an FD. Match the fund to your risk appetite.