# SWP Calculator

SWP is Systematic Withdrawal Plan. This SWP Calculator is an online calculator that gives you an idea on how long your corpus money will last or what would be the corpus remaining after a number of years of periodic withdrawals from your Mutual Fund investment. The remaining corpus amount is based on your current Investment, the expected annual rate of return, and withdrawal tenure.

Total investment
Withdrawal per month
Expected return rate (p.a)
Calculate
Your investment of ₹ 5,00,000 will last for approximately 4 years 9 months if you plan to withdraw ₹ 10,000 each month.
How to use this calculator?
SWP stands for systematic withdrawal plan. Under SWP, if you invest lump sum in a mutual fund, you can set an amount you’ll withdraw regularly and the frequency at which you’ll withdraw.
You can use the FundsIndia SWP calculator to calculate how long your investment would last if you withdraw at a specific rate.
You can use the FundsIndia SWP calculator to calculate your remaining balance after the SWP tenure
Since the FundsIndia SWP calculator helps you calculate both your balance after SWP tenure and how long your investment will last if you withdraw a specific amount, It can help you decide how much you should withdraw based on your preferences.
FundsIndia SWP calculator can help you decide the SWP tenure as it can calculate both your balance after SWP tenure and how long your investment will last if you withdraw a specific amount.

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SWP stands for systematic withdrawal plan. Under SWP, if you invest lump sum in a mutual fund, you can set an amount you'll withdraw regularly and the frequency at which you'll withdraw.
For example, let's say you invested in an MF scheme an amount of ₹1 lakh for a year. Let's assume that you decided to withdraw an amount of ₹10000 per month. So every month, the fund you have invested will reduce by ₹10000. The amount left every month after withdrawal will continue to remain invested. According to the Systematic Withdrawal Plan, a person must invest a specific sum and withdraw a specific portion of the invested corpus each month. The amount of the withdrawal will be subtracted from the investment while interest is still being earned on it.
Calculating the monthly withdrawals and the total amount that has matured is challenging. With its SWP calculator, FundsIndia can assist you with these challenging computations. This Systematic Withdrawal Plan calculator makes it simple to calculate your matured amount based on your precise monthly withdrawals. Calculators are making mutual fund investing simpler for consumers.
An SWP calculator is a tool that helps you determine the amount of regular payments you can receive from your investment, based on the current value of your portfolio, the expected rate of return, and the frequency of withdrawals. The calculator can give you an estimate of how much you can expect to receive on a regular basis, based on your investment goals and needs.
These options are available with SWPs.
• Fixed interval SWP - Allows you to withdraw a fixed amount at regular intervals (daily, weekly, monthly, quarterly, etc.)
• Fixed amount SWP - Allows you to withdraw a fixed amount each time you make a withdrawal.
This calculator can be used to calculate how long an investment would last if you withdraw at a specific rate or how much of your corpus will be left to withdraw after a specific period of time. Just plug in the fields required and you can get a visual representation of your investment.
The SWP calculator takes 4 inputs namely, Total Investment, Withdrawal per month, Expected return rate and Time period of withdrawal.
It uses the following logic
A = WA ((1+r/n)^nt – 1) / (r/n)
Where,
A = Final value of investment
WA = Amount withdrawn every period
n = number of compounds in a period
r = expected annual rate of return
t = total number of period for which the money is invested
The SWP calculator can be used when you want to know how long your investment would last and how much of your corpus would be left if you withdraw at a specific rate.
Tax implications in case of Debt funds are as follows
• Short-term: If you withdraw from an SWP within a year of investing in a mutual fund, the amount withdrawn is considered as short-term capital gain and taxed as per your income tax slab.
• Long-term: If you hold the mutual fund units for more than a year before withdrawing through an SWP, the amount withdrawn is considered as long-term capital gain and taxed at a rate of 20% (plus surcharge and cess, if applicable) after indexation benefit. Indexation benefit adjusts the cost of investment to account for inflation and reduces the tax liability.
In case of Equity funds
• Short-term: If you withdraw from an SWP from an equity mutual fund before holding it for more than a year, the amount withdrawn is considered as short-term capital gain and taxed at your marginal tax rate. For individuals, the short-term capital gain tax is 15% of the withdrawal amount.
• Long-term: If you hold the equity mutual fund units for more than a year before withdrawing through an SWP, the amount withdrawn is considered as long-term capital gain and taxed at a lower rate of 10% (without any indexation benefit) as compared to the short-term capital gain tax rate.
SWP withdrawals and Dividend plans both have their pros and cons.
• Tax implications: Dividend income is taxed at a higher rate compared to long-term capital gains in India, so if tax efficiency is a concern, SWP withdrawals may be a better option.
• Liquidity: SWP withdrawals provide more flexibility in terms of the amount and frequency of withdrawals, whereas dividend plans offer a fixed amount of income.
• Investment objective: If the objective of your investment is capital appreciation, then SWP withdrawals may be more suitable as it allows you to keep your invested capital intact. On the other hand, if the primary objective is to generate a regular income, then dividend plans may be a better option.
• Market volatility: In a volatile market, SWP withdrawals from equity mutual funds can be affected, as the unit price can fluctuate and impact the amount of income received. Dividend plans are relatively stable in this regard, as the income is generated through dividends, which are paid out regardless of market conditions.
Also, The type of mutual fund and the underlying portfolio also play a role in determining which option is more appropriate for you. For example, if you have invested in a growth-oriented equity fund, then SWP withdrawals may be more appropriate, as the value of your investment is likely to grow over time.
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