SWP Calculator

Calculate your monthly withdrawals and remaining investment value with SWP Calculator.

Total Investment(INR)

₹10K ₹1Cr

Withdrawal per month(INR)

₹500 ₹10L

Expected return rate/Anuum(%)

1% 50%

Time Period(Years)

1Y 30Y

What is SWP?

A Systematic Withdrawal Plan (SWP) is a method that allows you to withdraw a fixed amount of money from your mutual fund investment at regular intervals, such as monthly or quarterly.

It helps you convert your accumulated investment into a steady income stream without withdrawing the entire amount at once.

How It Works

1. Build Your Investment

Start by investing a lump sum or through SIP in a mutual fund and build a corpus over time.

2. Set Withdrawal Amount

Choose how much money you want to withdraw and how often (monthly, quarterly, etc.).

3. Units Are Redeemed Automatically

The mutual fund sells the required number of units based on the current NAV to provide your withdrawal.

4. Remaining Money Stays Invested

The remaining balance continues to stay invested and can still grow based on market performance.

SWP Formula

Key Benfits of SWP

Regular Income Flow

SWP helps you create a steady income stream from your investments, similar to a monthly salary.

Money Continues to Grow

Even while withdrawing, the remaining investment stays in the market and can generate returns.

Better Control Over Withdrawals

You can choose the withdrawal amount and frequency based on your needs.

Helps Avoid Lump Sum Withdrawal

Instead of withdrawing everything at once, SWP allows structured and disciplined withdrawals.

Frequently Asked Questions

Is SWP better than withdrawing a lump sum?

SWP can be useful if you want regular income instead of withdrawing everything at once. It helps in managing expenses over time and keeps a part of your investment growing.l fund provider.

Can I change the withdrawal amount anytime?

Yes, most mutual funds allow you to modify the withdrawal amount or frequency based on your needs.

What happens if markets go down during SWP?

If markets fall, more units may be sold to meet your withdrawal amount. This can reduce your overall investment faster, so withdrawals should be planned carefully.

Is SWP suitable for monthly income?

Yes, SWP is commonly used by people who want a regular monthly income from their investments, especially after building a corpus.

How long will my money last in SWP?

It depends on your withdrawal amount, investment returns, and market performance. Higher withdrawals can reduce your corpus faster.

Can I stop or pause SWP anytime?

Yes, you can usually stop or pause your SWP whenever you want, depending on the mutual fund provider.

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