SWP Calculator
Model Systematic Withdrawal Plans (SWP) for regular retirement income, calculate remaining corpus growth, and evaluate portfolio longevity with inflation adjustment.
Total Payout: —
Your investment corpus generates regular monthly income while the remaining capital compounds.
Corpus Breakdown
Corpus Balance & Withdrawal Trajectory
Year-by-year remaining corpus balance vs cumulative withdrawals
Yearly SWP Breakdown Schedule
| Year | Opening Balance | Annual Payout | Interest Earned | Closing Balance |
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What is an SWP?
A Systematic Withdrawal Plan (SWP) allows mutual fund investors to redeem a fixed amount at regular intervals (monthly/quarterly) while remaining capital continues to grow.
Inflation Protection
Adjusting withdrawals for inflation ensures your purchasing power remains constant over decades of retirement, preserving your lifestyle against rising living costs.
Tax Efficiency
Unlike dividend payouts which are fully taxable as income, SWP redemptions are subject only to capital gains tax on the profit portion of redeemed units, making it far more tax-efficient.