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v2.4.0 • Updated 2026

SWP Calculator

Generate regular monthly income from your investments. Check if your withdrawal plan is sustainable.

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Withdrawal Plan

₹
₹
%
Yr
Caution: Withdrawals exceed returns. Your principal is shrinking slowly.
Total Withdrawn

₹ 9,60,000.00

Regular Income Generated

Final Balance

₹ 8,91,632.00

Remaining Corpus

Plan is Sustainable!

Good news! Your corpus lasts for the full 10 years and generates +₹ 8,51,632.00 in net profit.

Cash Flow Projection

Balance
Withdrawn
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SWP Guide

What is Systematic Withdrawal Plan (SWP)?

SWP allows you to withdraw a fixed amount of money from your mutual fund investments at regular intervals (monthly, quarterly, etc.). It is the opposite of SIP. While SIP is for wealth creation, SWP is for wealth consumption.

Who should use SWP?

  • Retirees: To get a steady "pension-like" income from their retirement corpus.
  • Freelancers: To smooth out irregular income flows.
  • Anyone seeking Passive Income: Without selling all their units at once.

Tax Efficiency

SWP is more tax-efficient than Bank FD interest. In SWP, you only pay capital gains tax on the profit component of the withdrawal, whereas FD interest is fully taxable as per your income slab.

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When Should You Use These Calculators?

Whether you're saving, spending, or investing — here's exactly when this calculator can help you make a smarter decision.

Before Making an Investment

Estimate returns and risks before putting your money to work.

investment calculator, investment planning

Comparing Financial Plans

Side-by-side compare plans to pick the smartest option.

compare plans, financial comparison

Planning Long-Term Goals

Map out savings milestones to reach your future targets.

long term financial goals, goal planning

Checking Affordability

Know instantly if a purchase fits inside your budget.

affordability check, can I afford

Before Taking a Loan

Understand EMIs, interest & total cost before you borrow.

loan calculator, EMI calculator

Budgeting a Major Purchase

Break big-ticket items into a realistic payment plan.

budget calculator, major purchase planning

Evaluating Savings Returns

See how compound interest grows your savings over time.

savings calculator, compound interest

Planning for Retirement

Figure out how much you need saved before you retire.

retirement calculator, retirement planning

Deciding Between Options

Remove the guesswork when choosing between two paths.

financial decision, compare options

Before Consulting an Advisor

Walk in prepared with real numbers, save time & money.

financial advisor prep, quick estimate

Ready to crunch some numbers? It's free & takes less than a minute.

Popular calculator use cases

  • Before Making an Investment: investment calculator, investment planning
  • Comparing Financial Plans: compare plans, financial comparison
  • Planning Long-Term Goals: long term financial goals, goal planning
  • Checking Affordability: affordability check, can I afford
  • Before Taking a Loan: loan calculator, EMI calculator
  • Budgeting a Major Purchase: budget calculator, major purchase planning
  • Evaluating Savings Returns: savings calculator, compound interest
  • Planning for Retirement: retirement calculator, retirement planning
  • Deciding Between Options: financial decision, compare options
  • Before Consulting an Advisor: financial advisor prep, quick estimate