SWP Calculator
Plan regular, predictable monthly cashflows from your accumulated corpus while keeping the remaining principal invested for compounding growth.
Why SWP Beats Fixed Deposit Interest
Unlike bank FD interest which is taxed at your peak slab rate with TDS, each SWP monthly withdrawal is treated as part capital return and part capital gains—drastically reducing your effective tax liability.
Yearly Withdrawal & Balance Schedule
Track your cumulative monthly withdrawals and remaining corpus across 15 years.
| Year | Cumulative Withdrawn | Remaining Invested Corpus |
|---|---|---|
| Year 1 | ₹ 4,20,000 | ₹ 50,31,269 |
| Year 2 | ₹ 8,40,000 | ₹ 50,65,471 |
| Year 3 | ₹ 12,60,000 | ₹ 51,02,882 |
| Year 4 | ₹ 16,80,000 | ₹ 51,43,802 |
| Year 5 | ₹ 21,00,000 | ₹ 51,88,560 |
| Year 6 | ₹ 25,20,000 | ₹ 52,37,518 |
| Year 7 | ₹ 29,40,000 | ₹ 52,91,067 |
| Year 8 | ₹ 33,60,000 | ₹ 53,49,640 |
| Year 9 | ₹ 37,80,000 | ₹ 54,13,708 |
| Year 10 | ₹ 42,00,000 | ₹ 54,83,786 |
| Year 11 | ₹ 46,20,000 | ₹ 55,60,437 |
| Year 12 | ₹ 50,40,000 | ₹ 56,44,279 |
| Year 13 | ₹ 54,60,000 | ₹ 57,35,986 |
| Year 14 | ₹ 58,80,000 | ₹ 58,36,295 |
| Year 15 | ₹ 63,00,000 | ₹ 59,46,014 |
How to Protect Your Capital with SWP
- Follow the 6-8% Safe Withdrawal Rule: Keep annual withdrawals below the portfolio's expected rate of return so your capital remains perpetual.
- Choose Hybrid/Balanced Advantage Funds: Dynamic asset allocation shields your corpus from major equity corrections.
- No Fixed Lock-In: Unlike insurance annuities, your money remains fully liquid with flexibility to modify or stop payouts anytime.
Tax Efficiency of SWP Explained
Under Indian income tax laws, each monthly SWP transaction is treated as a unit redemption rather than income from other sources:
- • No TDS (Tax Deducted at Source) deducted on domestic mutual fund redemptions.
- • Equity LTCG gains are taxed at concessional rates above the annual threshold.
- • Far lower effective tax liability than Bank Fixed Deposit interest.
*Disclaimer: The results shown are illustrative and based on mathematical simulations with assumed rates of return. They do not constitute financial advice or guarantee actual returns or cashflow continuity. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.