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SWP Calculator
Calculate Systematic Withdrawal Plan returns and plan your retirement income
$1,000,000
₹1L₹1Cr
$10,000
₹5K₹1L
12%
1%30%
10 Yr
1 Yr40 Yr
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Guide
How it works
What is SWP?
Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals. It's an ideal tool for generating regular income during retirement while keeping your capital invested.
Benefits of SWP:
- Regular income while staying invested
- Tax-efficient way to generate income
- Rupee cost averaging benefits
- Flexible withdrawal amounts
What is the difference between SWP and SIP?
SIP (Systematic Investment Plan) involves regular investments, while SWP (Systematic Withdrawal Plan) involves regular withdrawals from your existing investment.
Is SWP tax-efficient?
Yes, SWP can be more tax-efficient than fixed deposits as only the capital gains portion is taxed, not the entire withdrawal amount.
Can I change my SWP amount?
Yes, most mutual funds allow you to modify or stop your SWP at any time without penalties.
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