Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount at regular intervals from a lumpsum investment. Unlike SIP which builds wealth through regular investments, SWP helps you draw income from your investment corpus while it continues to earn returns.

In an SWP, a part of your withdrawal may come from investment gains, while the rest may be from your principal. This calculator helps you understand how long your money will last, how much interest you'll earn, and what balance remains based on your chosen frequency and return rate.

Whether you're planning retirement income or creating a passive income stream, SWP offers flexibility and discipline. It can be particularly effective in mutual funds and debt instruments where returns are somewhat predictable.

A Systematic Withdrawal Plan (SWP) is a smart and flexible way to receive regular income from your mutual fund investments. It allows you to withdraw a fixed amount at set intervals—typically monthly or quarterly—while the remaining corpus continues to stay invested.

SWP is the reverse of SIP. Instead of investing regularly, you redeem units regularly. This is ideal for retirees or anyone looking for a predictable cash flow from their investments without liquidating the entire amount. Your money stays invested in the mutual fund, potentially earning returns even as you make systematic withdrawals.

This calculator helps you estimate how long your investment corpus will last, how much you can withdraw monthly, and how much value may remain over time—depending on your initial investment, withdrawal amount, and expected return.

⚠️ Important: SWPs are market-linked and not guaranteed. Since your remaining corpus stays invested in mutual funds, both your capital and potential returns are subject to market fluctuations. If returns are lower than expected or withdrawals are high, the corpus may deplete faster than planned.

Unlike traditional income plans like FDs or MIS, SWPs offer greater flexibility and potential tax advantages. Withdrawals from equity mutual funds held over 1 year may qualify for lower long-term capital gains tax.

Use this calculator to simulate different SWP scenarios—adjust your withdrawal amount, time horizon, and expected annual return—to better understand how to balance steady income with capital preservation.