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SWP Calculator
Calculate returns on your Systematic Withdrawal Plan (SWP) investments
Calculate Your SWP Returns
₹
₹
%
Yr
Total withdrawn
₹12,00,000
Remaining balance
₹10,00,000
Estimated returns
₹12,00,000
Months lasted
120 months
Corpus Balance Over Time
Remaining Balance
₹10,00,000
Total Withdrawn
₹12,00,000
SWP Breakdown
Initial Investment₹10,00,000
Monthly Withdrawal₹10,000
Annual Withdrawal Rate12.00%
Expected Return (p.a)12.00%
Investment Period10 years
Total Withdrawn₹12,00,000
Total Interest Earned₹12,00,000
Remaining Balance₹10,00,000
Total Returns₹12,00,000
Return Percentage120.00%
Understanding SWP
What is SWP?
Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals (typically monthly) while the remaining corpus continues to earn returns. It's ideal for generating regular income from investments.
Benefits:
- • Regular Income: Provides steady monthly cash flow
- • Tax Efficiency: Only withdrawals are taxed, not the entire corpus
- • Capital Preservation: Remaining balance continues to grow
- • Flexibility: Can pause, modify, or stop withdrawals anytime
- • Retirement Planning: Ideal for post-retirement income needs
Important Considerations:
- • Withdrawal rate should be lower than expected returns for sustainability
- • Higher withdrawal rates may deplete corpus faster
- • Market volatility can affect actual returns
- • Consider tax implications on withdrawals
- • Review and adjust withdrawal amounts periodically
Best Practices:
- • Keep withdrawal rate below 6-8% of corpus for long-term sustainability
- • Invest in equity-oriented funds for higher returns (10-12% p.a)
- • Maintain a balanced portfolio to manage risk
- • Start with conservative withdrawal amounts
- • Monitor corpus balance regularly
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.