SWP Calculator (Systematic Withdrawal Plan)
An SWP withdraws a fixed amount from a mutual fund every month while the rest stays invested.
Enter your corpus, monthly withdrawal and expected return to see whether the money lasts.
How to use the SWP Calculator
- Enter the starting corpus.
- Enter the monthly withdrawal.
- Enter the expected annual return.
- Enter the withdrawal period.
Frequently asked questions
What is a safe SWP withdrawal rate?
A common rule of thumb is 4–6% of the corpus per year, adjusted for inflation and the fund's expected return.
How is SWP taxed?
Each withdrawal is treated as a redemption, so only the gains portion is taxed as capital gains, which is often more tax-efficient than FD interest.
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-29 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.