SWP Calculator
| No. | Year | Age | Start Corpus (₹) | Yearly Withdrawal (₹) | Monthly Avg (₹) | End Corpus (₹) |
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Results shown are hypothetical and illustrative only. They assume a constant rate of return, which does not reflect actual fund performance. Actual returns from mutual funds vary based on market conditions, fund selection, and economic factors.
Mutual fund investments are subject to market risks. This calculator does not constitute financial advice. Please consult a AMFI-registered advisor before planning any systematic withdrawal strategy, especially for retirement income planning.
What is a Systematic Withdrawal Plan?
A Systematic Withdrawal Plan (SWP) is the reverse of a SIP. Instead of investing a fixed amount every month, you withdraw a fixed amount every month from your existing mutual fund corpus. The remaining corpus continues to stay invested — earning returns that partially or fully offset the withdrawals depending on the rate of return.
SWP is particularly popular for retirement income planning — creating a predictable, tax-efficient monthly income stream from a corpus built over working years. Unlike FD interest, SWP withdrawals from equity funds after one year are taxed as Long-Term Capital Gains (LTCG) — often at lower effective tax rates.
The key to a sustainable SWP is ensuring your withdrawal rate is lower than the expected return rate of your corpus. If you withdraw more than the fund earns, your corpus will gradually deplete. If you withdraw less, your corpus grows over time — providing financial security for the long term.
Sustainable Withdrawal = Corpus × Monthly Return Rate
(where Corpus never depletes)
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For Illustrative Purposes Only: This SWP Calculator provides mathematical estimates based on user-entered inputs and assumed constant rates of return. Results do not represent actual fund performance or guaranteed income.
Market Risk: Mutual fund investments are subject to market risks. Returns vary based on market conditions, fund selection, expense ratios, and economic factors. A poor sequence of returns in early withdrawal years can significantly impact corpus longevity beyond what this calculator shows.
Tax Implications: This calculator does not account for applicable taxes on SWP withdrawals including LTCG (Long-Term Capital Gains) tax, STCG (Short-Term Capital Gains) tax, or exit loads. Tax treatment depends on the type of fund and holding period. Consult a tax advisor for personal tax planning.
Not Financial Advice: This tool is for educational and planning purposes only and does not constitute financial advice or investment recommendations. Please consult a AMFI-registered investment advisor before planning any systematic withdrawal strategy.
Peacock Wealth Management Pvt. Ltd. | AMFI Registered Distributor Investment Advisor | Kilpauk, Chennai — 600010 | info@peacock.org.in | +91 93639 63411