What is SWP and how does the SWP Calculator work?

SWP (Systematic Withdrawal Plan) allows you to withdraw fixed amounts regularly from your mutual fund investments. Our SWP Calculator uses compound interest formulas to estimate how long your corpus will last based on withdrawal amounts, expected returns, and current investment value.

Can I adjust for inflation in SWP calculations?

Yes! Our SWP Calculator includes an optional inflation rate to show the real value of your withdrawals, ensuring you understand the true purchasing power of your systematic withdrawals over time.

Is this SWP Calculator accurate for different mutual fund categories?

It's highly accurate for estimates using historical average returns. Different fund categories (equity, debt, hybrid) have different risk-return profiles. Use it as a planning tool alongside professional advice.

What if my expected return changes during withdrawal period?

Simply update the expected annual return field in real-time. The SWP Calculator recalculates corpus duration and remaining amount instantly, showing the impact of different return scenarios.

How does SWP compare to lump sum withdrawal?

SWP provides regular income while keeping remaining corpus invested for potential growth, while lump sum withdrawal liquidates everything at once. Use our tool to compare both strategies.

Are there taxes on SWP withdrawals?

Yes, SWP withdrawals are subject to capital gains tax based on the fund type and holding period. Equity funds have different tax treatment than debt funds. This calculator shows pre-tax scenarios; consult a tax advisor.

Why use an online SWP Calculator over manual calculations?

Our best free SWP calculator no signup is instant, error-free, and mobile-friendly. No complex formulas to remember – just input your corpus, withdrawal amount, and get detailed projections with visualizations.

SWP Calculator

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Current Corpus Amount:

₹

Initial Monthly Withdrawal:

₹

Annual Withdrawal Increase:

₹

Time Period:

years

Expected Annual Return:

Inflation Rate (Optional):

Yearly Withdrawal Summary