What is a SWP Calculator?

A SWP Calculator is a financial tool that helps you calculate how long your investment will last with regular withdrawals. It shows your final corpus, total withdrawals, and helps plan retirement income.

SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount regularly from your mutual fund investment while the remaining amount continues to earn returns. It provides regular income while keeping your capital invested.

Is SWP better than FD for retirement?

SWP can be better than FD for retirement as it offers potentially higher returns (10-12% vs 6-7%), tax efficiency (only gains taxed), and flexibility in withdrawal amounts. However, SWP involves market risk unlike FDs.

What is the tax on SWP withdrawals?

For equity funds: LTCG above ₹1 lakh taxed at 10%, STCG at 15%. For debt funds: LTCG at 20% with indexation (if held >3 years), STCG at slab rates. Only capital gains portion is taxed, not the entire withdrawal.

SWP Calculator Online - Calculate Systematic Withdrawal Plan Returns | GoldRate24

SWP Calculator

Plan systematic withdrawals from your mutual fund investment

SWP Details

Total Corpus (₹)

Monthly Withdrawal (₹)

Expected Return Rate (% p.a.)

Withdrawal Period (Years)

Remaining Corpus

₹1,76,56,147

SWP Summary

Initial Corpus₹50,00,000

Total Withdrawn₹60,00,000

Total Returns₹1,86,56,147

Remaining Corpus₹1,76,56,147