SWP Calculator - Systematic Withdrawal Plan Calculator India
Plan your retirement income with our free SWP Calculator. Calculate monthly withdrawals from your mutual fund corpus, see how long your money will last, and download detailed PDF reports.
SWP Calculator Tool
₹ 10,00,000
₹ 10,000
Total Amount Withdrawn
₹12.00 Lakh
Final Balance
₹9.77 Lakh
Interest Earned
₹11.77 Lakh
Money Will Last
10 Years 0 Months
Corpus Balance Over Time
SWP Calculator Examples - How Much Monthly Income?
See monthly income possible from different corpus amounts (at 10% returns for 20 years)
| Corpus Amount | Monthly SWP | Yearly Income | Total Withdrawn (20 yrs) | Final Balance |
|---|---|---|---|---|
| ₹10 Lakhs | ₹8,300 | ₹99,600 | ₹19.92 L | ~₹10 L |
| ₹25 Lakhs | ₹20,750 | ₹2.49 L | ₹49.80 L | ~₹25 L |
| ₹50 Lakhs | ₹41,500 | ₹4.98 L | ₹99.60 L | ~₹50 L |
| ₹75 Lakhs | ₹62,250 | ₹7.47 L | ₹1.49 Cr | ~₹75 L |
| ₹1 Crore | ₹83,000 | ₹9.96 L | ₹1.99 Cr | ~₹1 Cr |
| ₹2 Crore | ₹1,66,000 | ₹19.92 L | ₹3.98 Cr | ~₹2 Cr |
| ₹5 Crore | ₹4,15,000 | ₹49.80 L | ₹9.96 Cr | ~₹5 Cr |
*Calculated at 10% annual return for 20 years. SWP amount keeps corpus intact while providing regular income. Actual returns may vary.
What is SWP?
SWP (Systematic Withdrawal Plan) is a facility offered by mutual funds that allows investors to withdraw a fixed amount regularly from their investments. It's the opposite of SIP - while SIP helps you accumulate wealth, SWP helps you create regular income from accumulated wealth.
SWP is particularly popular among retirees, senior citizens, and individuals seeking passive income. You can choose to withdraw monthly, quarterly, or semi-annually based on your needs.
हिंदी में: SWP एक ऐसी सुविधा है जिसमें आप अपने म्यूचुअल फंड निवेश से हर महीने एक निश्चित राशि निकाल सकते हैं। यह रिटायरमेंट के बाद नियमित आय के लिए बेस्ट है।
SWP Formula
Future Value = PV × (1+r)n − PMT × [((1+r)n − 1) / r]
- • PV = Present Value (Initial Corpus)
- • PMT = Monthly Withdrawal
- • r = Monthly Rate of Return
- • n = Number of Months
Benefits of SWP
Regular Income
Get fixed monthly income like pension - perfect for retirees
Tax Efficient
Only gains are taxed, not the full withdrawal amount
Flexibility
Modify, pause, or stop withdrawals anytime without penalty
Capital Growth
Remaining corpus continues earning returns
Inflation Beating
Higher returns than FD (10-12% vs 6-7%)
No TDS
No tax deducted at source unlike FD interest
SWP vs SIP vs FD - Detailed Comparison
| Parameter | SWP | SIP | FD Interest |
|---|---|---|---|
| Purpose | Regular income | Wealth accumulation | Fixed interest income |
| Best For | Retirees | Working professionals | Risk-averse investors |
| Returns | 10-12% | 12-15% | 6-7.5% |
| Tax Efficiency | High (only gains taxed) | High | Low (full taxed) |
| Flexibility | Very High | High | Low (lock-in) |
| Risk Level | Market-linked | Market-linked | Very Low |
| Capital Erosion | Slow (with returns) | N/A (accumulation) | No erosion |
How to Use SWP Calculator?
Enter Lumpsum
Input your total mutual fund corpus amount (₹1 Lakh to ₹1 Crore).
Set Withdrawal
Decide how much money you want every month from your investment.
Expected Return
Enter realistic annual returns (10-12% for hybrid funds is safe).
Choose Tenure
Select for how many years you want the SWP to continue.
View Analysis
See total withdrawn, final balance, and corpus longevity.
Download PDF
Get a detailed PDF report for retirement planning.
Check Retirement Corpus
Use the retirement calculator before deciding monthly SWP.
Frequently Asked Questions
Everything about Systematic Withdrawal Plan (SWP)
What is SWP in mutual funds?▼
How much SWP can I get from ₹1 Crore?▼
Is SWP better than FD interest?▼
How is SWP calculated?▼
What is the difference between SIP and SWP?▼
How is SWP taxed in India?▼
Can I do SWP from any mutual fund?▼
Which mutual fund is best for SWP?▼
What is the minimum amount for SWP?▼
Can I increase or decrease my SWP amount?▼
Will my SWP corpus ever finish?▼
Is SWP good for senior citizens?▼
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Important Disclaimer
"Mutual Fund investments are subject to market risks. SWP Calculator projections are based on assumed rate of returns and are for illustrative purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Please consult a SEBI registered financial advisor before making investment decisions. Content by Rahul Kumar for SmartFintool."