SWP Calculator
The SWP (Systematic Withdrawal Plan) Calculator helps you estimate how much you can withdraw monthly from a lumpsum investment in mutual funds, while your remaining balance continues to earn returns.
Total Withdrawn₹109,848.718
Balance Left₹0
Total Gains₹9,848.718
SWP Balance Over Time
SIP vs SWP: Key Differences
SIP (Systematic Investment Plan)Invest a fixed amount regularly to build wealth over time. Best for accumulation and disciplined saving.• Money flows into your investment every month.
• Great for rupee cost averaging and long-term goals.
• Great for rupee cost averaging and long-term goals.
SWP (Systematic Withdrawal Plan)Withdraw a fixed amount regularly from your investment for steady income. Best for distribution and planned spending.• Money flows out of your investment every month.
• Useful for retirement, regular expenses, or cash flow needs.
• Useful for retirement, regular expenses, or cash flow needs.
Goal:SIP = Grow, SWP = Withdraw
Cash Flow:SIP = Money IN, SWP = Money OUT
Taxation:SIP: Tax on gains at redemption | SWP: Tax on withdrawn gains
Best For:SIP: Savers & Growers | SWP: Retirees & Income Seekers
Flexibility:Both allow you to change or stop anytime
Tip: Many investors use SIP to build wealth and SWP to draw income after retirement. Both can be part of a smart financial plan!
Consult a financial advisor for personalized advice.
Consult a financial advisor for personalized advice.