📤 SWP Calculator

Systematic Withdrawal Plan (SWP) Calculator

Total Investment Amount (₹)

Expected Annual Return (%)

Monthly Withdrawal Amount (₹)

Investment Duration (Years)

What is an SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan (SwP) is a facility offered to investors to withdraw a fixed amount from a mutual fund on a regular basis. You can choose the amount and frequency of the withdrawal. You can also choose to withdraw only the profits from your investment, retaining the invested capital. On the maturity date, the units in your portfolio are sold, and the funds are transferred to your account..

This strategy is especially helpful for retirees or anyone else who is looking to generate a consistent income from their investments. It combines ongoing exposure to market-linked returns with the advantages of consistent cash flow.s.

Key Benefits of SWP

You can choose the frequency of withdrawals.
You can withdraw a fixed amount or just the capital gain.
It's a facility for regularly redeeming units
Reduces market timing risk by systematic withdrawals
It's ideal for investors looking for regular income from their investments.

Frequently Asked Questions (FAQs)

1. How does an SWP Calculator help?

The SWP Calculator tracks the remaining balance based on your expected returns and helps you estimate how much you can withdraw each month from your investment over time.

2. Who should use an SWP?

For those seeking a reliable source of income, such as retirees or those with financial objectives requiring consistent cash flow, SWP is perfect..

3. Are SWP withdrawals taxable?

Yes, SWP withdrawals are subject to capital gains tax depending on the type of mutual fund and the holding period. Equity funds and debt funds have different tax rules.

4. Can I stop or change my SWP anytime?

Of course. With a straightforward request, the majority of mutual fund companies let you change or terminate your SWP whenever you want..

5. Is SWP better than a fixed deposit?

Your level of risk tolerance will determine this. Although SWP entails market risk, it has the potential to yield larger returns. Although they are safer, fixed deposits usually yield smaller returns.