SWP Calculator
Plan systematic withdrawals from your mutual fund corpus while the rest continues to earn returns.
Breakdown
Total Withdrawn
₹12,00,000
Remaining Corpus
₹10,00,000
Investment
₹10,00,000
Schedule
| Year | Balance |
|---|---|
| 1 | ₹10,00,000 |
| 2 | ₹10,00,000 |
| 3 | ₹10,00,000 |
| 4 | ₹10,00,000 |
| 5 | ₹10,00,000 |
| 6 | ₹10,00,000 |
| 7 | ₹10,00,000 |
| 8 | ₹10,00,000 |
| 9 | ₹10,00,000 |
| 10 | ₹10,00,000 |
What is Systematic Withdrawal Plan?
A Systematic Withdrawal Plan (SWP) is a facility offered by mutual funds that allows investors to withdraw a fixed amount of money at regular intervals from their investment. Instead of redeeming the entire investment at once, SWP lets you receive periodic payouts while the remaining money stays invested and continues to grow.
It is commonly used by investors who want a steady income stream from their mutual fund investments.
How Systematic Withdrawal Plan Works
Suppose you invest ₹10,00,000 in a mutual fund and choose an SWP of ₹10,000 per month. Every month, the fund redeems a small number of units from your investment to provide the withdrawal amount.
Since the remaining units stay invested in the market, your investment still has the potential to grow over time, depending on the fund's performance.
Regular Withdrawals
Monthly, quarterly, or annual payouts from your investment
Remaining Investment Grows
Undrawn amount stays invested and continues to earn returns
Flexible Amounts
Choose your withdrawal amount and frequency based on your needs
Regular Income
Useful for creating a predictable income from investments
Key Benefits
Steady Income
Create a regular cash flow from existing investments
Continued Growth
Remaining corpus stays invested in the market
Flexibility
Adjust withdrawal amounts and frequency any time
Retirement Friendly
Ideal for retirees converting investments to income
Important Disclaimer
This information is for educational purposes only and not financial advice. Mutual fund returns are market-linked and not guaranteed.
Withdrawal amounts, tax implications, and fund performance can affect the longevity of your investment. Always review the scheme details and consult financial professionals before making investment decisions.