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SWP Calculator

SWP Calculator

SWP Calculator

Calculate your Systematic Withdrawal Plan returns and track your investment journey.

💰 Wealth Composition

📊 Investment Summary

Monthly Breakdown

MonthOpening BalanceWithdrawalInterest EarnedClosing Balance

Disclaimer: Past performance may or may not be sustained in future. These calculators are for illustrations only. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

SWP Calculator Guide

About Systematic Withdrawal Plan (SWP)

A Systematic Withdrawal Plan (SWP) is a facility that allows an investor to withdraw a fixed amount of money from their mutual fund scheme at regular intervals (e.g., monthly, quarterly, or annually). It provides a steady stream of income while the rest of the investment continues to have the potential for capital appreciation.

SWP Planning

Key Benefits of SWP

  • Regular Income: SWP is an excellent tool for retirees or anyone looking for a fixed cash flow. It helps create a predictable income stream from your investments to meet regular expenses.
  • Capital Appreciation: While you withdraw a portion of your investment, the remaining amount stays invested and continues to benefit from market growth, potentially increasing your overall corpus over time.
  • Tax Efficiency: Withdrawals from equity funds held for more than one year are taxed as long-term capital gains (LTCG). Gains up to ₹1 lakh in a financial year are tax-free, and gains above that are taxed at a concessional rate of 10%.
  • Flexibility: You have the flexibility to choose the withdrawal amount, frequency, and date. You can also stop the SWP or modify the instructions at any time.
Financial Growth

Who is SWP Suitable For?

SWP is ideal for individuals who have accumulated a significant corpus and need a regular source of income, such as:

  • Retirees: To create a pension-like income from their retirement savings.
  • Individuals with regular financial goals: Such as paying for monthly expenses, EMIs, or funding a child's education.
  • Conservative Investors: Who want to systematically book profits and reduce their exposure to market volatility over time.
Regular Income

How does the SWP Calculator work?

An SWP calculator helps you determine how long your invested corpus will last if you withdraw a fixed amount regularly. You need to enter the following details:

  • Total Investment Amount: The initial corpus you have invested.
  • Monthly Withdrawal Amount: The fixed amount you wish to withdraw every month.
  • Expected Annual Return (%): The rate at which you expect your remaining investment to grow.

The calculator will then estimate the future value of your investment and show you how many years your money will last.

Calculator
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