Systematic Withdrawal Plan
SWP Calculator
Plan regular monthly income from your mutual fund investments and track capital longevity over time.
₹
₹1,00,000₹50 Lakh₹5,00,00,000
₹
₹1,000₹35 Thousand₹5,00,000
%
1%20%
Yr
1 Yr35 Yr
Illustrative assumed returns. Mutual fund returns fluctuate with market conditions and are not guaranteed.
Yearly SWP Cashflow & Balance Schedule
| Year | Opening Corpus | Annual Withdrawal | Interest Accrued | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹50,00,000 | -₹4,20,000 | +₹3,96,345 | ₹49,76,345 |
| Year 2 | ₹49,76,345 | -₹4,20,000 | +₹3,94,382 | ₹49,50,727 |
| Year 3 | ₹49,50,727 | -₹4,20,000 | +₹3,92,256 | ₹49,22,982 |
| Year 4 | ₹49,22,982 | -₹4,20,000 | +₹3,89,953 | ₹48,92,935 |
| Year 5 | ₹48,92,935 | -₹4,20,000 | +₹3,87,459 | ₹48,60,394 |
| Year 6 | ₹48,60,394 | -₹4,20,000 | +₹3,84,758 | ₹48,25,152 |
| Year 7 | ₹48,25,152 | -₹4,20,000 | +₹3,81,833 | ₹47,86,985 |
| Year 8 | ₹47,86,985 | -₹4,20,000 | +₹3,78,665 | ₹47,45,650 |
| Year 9 | ₹47,45,650 | -₹4,20,000 | +₹3,75,234 | ₹47,00,884 |
| Year 10 | ₹47,00,884 | -₹4,20,000 | +₹3,71,519 | ₹46,52,403 |
| Year 11 | ₹46,52,403 | -₹4,20,000 | +₹3,67,495 | ₹45,99,897 |
| Year 12 | ₹45,99,897 | -₹4,20,000 | +₹3,63,137 | ₹45,43,034 |
| Year 13 | ₹45,43,034 | -₹4,20,000 | +₹3,58,417 | ₹44,81,451 |
| Year 14 | ₹44,81,451 | -₹4,20,000 | +₹3,53,306 | ₹44,14,757 |
| Year 15 | ₹44,14,757 | -₹4,20,000 | +₹3,47,770 | ₹43,42,527 |
Total Withdrawn
₹63,00,000
over 15 years (₹35,000/month)
Initial Investment₹50,00,000
Remaining Final Corpus₹43,42,527Available balance
Estimated Returns Generated₹56,42,527
Corpus StatusSustained Balance
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Frequently Asked Questions
What is an SWP in mutual funds?
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money periodically (monthly/quarterly) from your mutual fund scheme while the remaining balance stays invested.
Is SWP better than Fixed Deposit interest for monthly income?
SWP from debt or equity hybrid funds is often more tax-efficient than FD interest because only the capital gains component of each withdrawal is taxed rather than the full interest payout.