SWP Calculator
Systematic Withdrawal Plan — mutual fund corpus se har mahine fixed amount nikaalte hue, kitne saal chalega aur 10 saal baad kitna bachega?
How SWP is calculated
Every month, your balance first grows by the monthly return, then the withdrawal is deducted:
where P is the corpus, W the monthly withdrawal and r the monthly rate (annual rate ÷ 12). The calculator simulates this month by month.
Worked example: ₹25,00,000 corpus, ₹15,000/month withdrawal at 8% p.a. — first-month interest is ₹16,667, more than the withdrawal, so the balance grows: roughly ₹25.2 lakh after 1 year and ₹28.1 lakh after 10 years. But withdraw ₹20,000/month instead and the corpus runs out in about 22.5 years (270 months).
FAQ
SWP kya hai — FD se better hai monthly income ke liye?
SWP means withdrawing a fixed amount from a mutual fund every month. Long-term returns are usually higher than FD, and tax can be lower too (only the gains part of each withdrawal is taxed at capital-gains rates, not the full interest at slab rate). The trade-off: returns are not guaranteed — markets can dip, especially early on.
Kitna withdrawal safe maana jaata hai?
A common rule of thumb: keep annual withdrawals around 4–6% of the corpus. If your monthly withdrawal is less than the monthly interest earned (like ₹15,000 vs ₹16,667 interest on ₹25 lakh at 8%), the corpus never depletes. Withdraw more than that and it starts shrinking.
Expected return kitna assume karun?
Be conservative. Hybrid/balanced funds: 7–9%. Equity funds: 10–12% long-term average, but the early years can be volatile — if markets fall right after you start, a heavy withdrawal drains the corpus faster (sequence-of-returns risk). Many people withdraw less in the first few years.
SWP par tax kaise lagta hai?
Each withdrawal has two parts: your own capital (no tax) and gains (taxable). For equity funds: 12.5% LTCG on gains above ₹1.25 lakh/year if held over 12 months, 20% STCG otherwise. Debt funds are taxed at your slab rate. This calculator shows pre-tax numbers — actual in-hand amount will differ.