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How it works

SWP Calculator in 3 Steps

1

Enter your numbers

Adjust the sliders or inputs on the left. Results update in real-time.

2

See the result

Maturity value, gain, and key metrics show in the dark panel on the right.

3

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Frequently Asked

FAQ — SWP Calculator

What is a SWP in mutual funds?
Systematic Withdrawal Plan — you redeem a fixed amount every month from a lump-sum invested in a mutual fund. The remaining corpus stays invested and earns market-linked returns.
Is SWP better than FD interest?
For tax efficiency, often yes. Each SWP withdrawal is part principal + part gain (LTCG 10% above ₹1L), whereas FD interest is fully taxed at slab rate.
Will my SWP run out?
Depends on withdrawal rate vs. return. A safe rule: withdraw 4% of corpus annually for 30+ years.
Which funds are best for SWP?
Hybrid / balanced advantage funds are common because they balance equity returns with debt stability, smoothing the withdrawal.
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