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SIP Calculator
Calculate your Systematic Investment Plan (SIP) returns and investment growth over time
Use Calculator →SWP Calculator
Calculate Systematic Withdrawal Plan (SWP) returns and corpus depletion. Plan your retirement income with regular withdrawals while preserving capital.
Results
Total Withdrawals
₹ 0
Remaining Corpus
₹ 0
Total Value
₹ 0
Frequently Asked Questions
What is Systematic Withdrawal Plan (SWP)?
SWP is a withdrawal method where you withdraw a fixed amount periodically (monthly, quarterly, or annually) from your investments. It's useful for generating regular income during retirement.
How is SWP different from SIP?
SIP involves regular investments to build wealth, while SWP involves regular withdrawals from investments. SWP is typically used during retirement to create income, whereas SIP is used during accumulation phase.
What are the tax benefits of SWP?
SWP can be tax-efficient as withdrawals from equity funds get long-term capital gains treatment if held for 1+ year (currently 20% LTCG tax). It's more tax-efficient than drawing income directly.
How long will my corpus last with SWP?
This depends on your withdrawal amount, return rate, and corpus size. Our calculator shows when your corpus depletes. Adjust withdrawal amounts to ensure sustainable retirement income.
Can I change my SWP amount?
Yes, most funds allow modification of SWP amount. You can increase or decrease withdrawal amounts based on changed circumstances. Some funds have minimum withdrawal limits.
Is SWP suitable for retirement planning?
Yes, SWP is excellent for retirement income planning. It provides regular cash flow while allowing remaining corpus to grow. Combine with pension schemes and other income sources for comprehensive retirement planning.