SWP Calculator
Calculate how long your mutual fund corpus will last with regular monthly withdrawals.
Your SWP Details
What is SWP?
SWP (Systematic Withdrawal Plan) is a facility where you withdraw a fixed amount from your mutual fund investment at regular intervals. It is commonly used by retirees to generate a regular income from their corpus.
How SWP Works
- You invest a lump sum in a mutual fund scheme
- You set a fixed withdrawal amount (monthly, quarterly, etc.)
- The remaining corpus continues to earn returns
- The corpus depletes over time depending on withdrawal vs returns
Why SWP is Useful
- Regular income: Like a pension from your investments
- Tax efficient: Only the capital gains portion is taxed
- Flexible: You can change withdrawal amount anytime
- Better than FD: Potentially higher returns than fixed deposits
Important Note
SWP returns are market-linked and not guaranteed. If the fund performs poorly, your corpus may deplete faster than expected. Consider a conservative withdrawal rate (4-6% annually) for long-term sustainability.