AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in हिंदी

SWP calculator: a monthly income from your investments.

A Systematic Withdrawal Plan (SWP) pays you a fixed amount every month from a mutual fund. See how your balance changes over time.

₹
₹1L₹5Cr
₹
₹1K₹5L
%
4%15%
yrs
1 yr30 yrs
Total withdrawn₹0
Est. returns₹0
Final value₹0

Balance leftWithdrawn (cumulative)

A Systematic Withdrawal Plan pays you a fixed amount every month while the rest stays invested. For illustration only.

Set up an SWP

How it is calculated

Each month the balance grows at the assumed monthly rate and your withdrawal is taken out. If withdrawals are higher than the growth, the balance falls; if lower, it keeps growing.

SWPs are often used in retirement. Each withdrawal is treated as a redemption of units, so only the gains in it are taxed.

Common questions

What is a safe withdrawal rate?
There is no guaranteed safe rate. Withdrawing less than the long-term expected return helps the corpus last longer; market falls early in retirement can shorten it.
Which funds are used for SWP?
Often hybrid or debt-oriented funds for stability, sometimes with an equity portion for growth. It depends on your needs and risk profile.
Is SWP income taxed?
Only the capital-gains part of each withdrawal is taxed, under the rules for that type of fund. Check current tax rules or ask your tax adviser.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
Let's talk

Start your plan today.

Tell us a little about your goals and an expert will get back to you, usually within 2 hours on business days.

Experts are available Mon–Sat, 10 AM – 7 PM

Book your free wealth consultation

  • 100% free
  • No obligation
  • Reply within 2 hours
+91
Join 2,000+ investors who plan with Plenitude
Your details are private and never shared.
WhatsApp Book free call