SWP Calculator

Plan your post-retirement income with a Systematic Withdrawal Plan (SWP). See how long your capital will last and how much regular monthly income you can generate from your corpus.

SWP Planner

Plan regular income from your investments while growing your capital.

Total Investment

HNI/UHNI? Enter manually (Max: ₹1000 Cr)

₹

Monthly Withdrawal

HNI/UHNI? Enter manually (Max: ₹10 Cr)

₹

Expected Return

Max: 30%

Duration

Max: 50 Years

Years

Expected Inflation

Max: 20%

Final Balance

₹90.80L

After withdrawing ₹60.00L over 20 years

Final Balance

₹90.80L

Total Withdrawn

₹60.00L

Initial Inv.₹50.00L

Net Growth₹1.01Cr

Monthly₹25,000

Years20 Years

Reality Check: Your Final Balance will be ₹90.80L with an Inflation rate of 0%

What is an SWP?

A Systematic Withdrawal Plan (SWP) is the opposite of an SIP. While SIP is used to build wealth, SWP is used to consume it systematically. It allows you to withdraw a fixed amount from your mutual fund investments regularly, offering a steady stream of income while the remaining capital continues to grow.

Pro Tip: Tax Efficiency

SWP is much more tax-efficient than FDs for regular income. Only the gain component of your withdrawal is taxed, and if held for over a year (in equity), you benefit from LTCG tax rates.