SWP Calculator
Plan systematic withdrawals from your mutual fund corpus. See exactly how long your money lasts with real-time charts, inflation-adjusted projections, and multiple strategies.
Strategy Comparison
Compare Fixed vs Inflation-Adjusted vs % of Corpus
Year-by-Year Breakdown
Learn the Basics
Understanding SWP & Withdrawal Strategies
A Systematic Withdrawal Plan helps you create regular income from your investments while keeping the remaining corpus invested.
What is SWP?
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your mutual fund investment at regular intervals — monthly, quarterly, or annually. Your remaining corpus continues to earn returns, making it ideal for retirees seeking regular income.
Tax Efficiency of SWP
Unlike FD interest which is fully taxable, SWP withdrawals from equity funds held over 1 year attract only 10% LTCG tax on gains above ₹1.25 lakh. For debt funds, gains are taxed at your slab rate. This makes SWP more tax-efficient for generating retirement income.
Safe Withdrawal Rate
The "4% Rule" suggests withdrawing 4% of your corpus annually (adjusted for inflation) to make it last 30+ years. In India, with higher inflation, a 3-3.5% rate may be safer. Use strategy comparison above to find what works for your situation.