--- title: SWP Calculator canonical_url: https://sanchaykaro.com/swp-calculator/ last_updated: 2026-04-20T07:35:07+00:00 plugin_version: 1.2.1 --- # SWP Calculator Smart SWP Calculator | Systematic Withdrawal Plan | SanchayKaro SanchayKaro SWP Planner ======================== Design your regular income with smart Systematic Withdrawal Plan Advanced SWP Calculator ------------------------ Calculate monthly/quarterly/yearly withdrawals, track remaining corpus & interest earned Initial Investment (₹) ₹15L Monthly Withdrawal (₹) ₹12k Withdrawal Period (Years) 15 yrs Expected Annual Return (%) 9% Withdrawal Frequency Monthly Quarterly Half-Yearly Yearly Calculate Reset SWP works by withdrawing fixed amount periodically while remaining corpus stays invested. Total Withdrawn₹0 Remaining Corpus₹0 Total Interest Earned₹0 Year-end portfolio balance projection Why Choose SWP? ### Regular Income Perfect for retirees & passive income seekers – fixed amount credited to your bank account. ### Power of Compounding Remaining investment continues to grow, potential to beat inflation. ### Tax Efficient Only capital gains portion taxed (LTCG/STCG) – better than FD interest. ### Flexibility Stop, modify amount, or change frequency anytime without penalty. Frequently Asked Questions (10) What is a Systematic Withdrawal Plan (SWP)? SWP allows you to withdraw a fixed amount regularly from your mutual fund investment. The remaining money stays invested and continues to earn returns, making it ideal for regular income needs. How is SWP different from a dividend option? Dividends are declared by the fund and vary; SWP gives you a fixed predetermined amount irrespective of market conditions, offering more predictability. Can I start SWP with a lump sum or existing fund units? Yes. You can either invest a fresh lump sum and start SWP or register SWP on your existing mutual fund units. What happens if the corpus gets exhausted before the period ends? If returns are lower or withdrawals are high, the fund may deplete earlier. Our calculator helps you adjust withdrawal amount to sustain the desired period. Is SWP taxable? Yes, each withdrawal consists of a return of capital and capital gains. Only the gains portion is taxed – LTCG (over 1 year) at 12.5% above ₹1.25L, STCG at 20% for equity funds. What is the minimum amount to start an SWP? Most funds require minimum investment of ₹5,000-₹10,000 and minimum withdrawal ₹500 per installment. Check with your fund house. Can I increase or decrease my SWP amount later? Absolutely. You can modify the withdrawal amount or frequency by submitting a request to the AMC; no extra charges. Which type of [mutual funds](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "mutual funds") are best for SWP? Hybrid funds (balanced advantage), dynamic asset allocation, or conservative hybrid funds are popular for SWP due to moderate volatility and stable returns. Does SWP affect my remaining investment growth? Yes, because you are regularly redeeming units, the remaining corpus reduces. However, the ongoing returns still apply to the reduced balance – our calculator simulates this accurately. Can NRIs use SWP? Yes, NRIs with NRE/NRO accounts can invest in mutual funds and start SWP, subject to FEMA guidelines. Proceeds can be repatriated if held in NRE account. © SWP calculator is for illustrative purposes only. Actual returns depend on market conditions. Consult your advisor.