SWP Calculator
Calculate Systematic Withdrawal Plan (SWP) returns. Plan tax-efficient monthly income from your mutual fund investments.
SWP Details
Withdrawal Summary
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) is a service offered by mutual funds that allows investors to withdraw a specific sum of money from their portfolio at pre-determined intervals (e.g. monthly). This is highly suited for retirees or individuals seeking regular cash flows.
Core Benefits of SWP
💸 Regular Cash Flows
Create a steady income stream while deciding your own withdrawal dates and frequencies.
📈 Continued Compounding
The remaining undistributed capital continues to stay invested, growing with compounding interest.
⚖️ Tax Efficiency
Only the growth element in the withdrawal is taxed as capital gains, yielding higher efficiency than FD interest or dividends.
🔄 Ultimate Flexibility
You can increase, decrease, halt, or completely cash out of your SWP plan at any given point.
Structuring a Retirement Income?
Our professional financial planning advisors can help you formulate the optimal withdrawal ratios, manage capital gains tax, and preserve wealth.