Systematic Withdrawal Plan (SWP) Calculator

A Systematic Withdrawal Plan (SWP) is a financial strategy that allows individuals to withdraw a fixed amount from their investments at regular intervals. It is designed to generate regular income from investments while maintaining the principal invested.

Use our SWP Calculator to calculate the monthly withdrawal amounts and see how long your investments will last. Plan your regular income and tax-efficient withdrawals.

SWP provides regular income from investments, flexibility in withdrawal amount, potential for capital appreciation, better tax efficiency, and professional fund management.

Withdrawals through SWP are subject to capital gains tax. For equity funds, long-term capital gains (held > 1 year) above ₹1 lakh are taxed at 10%. For debt funds, gains are taxed at your income tax slab rate if held for less than 3 years.

Some common SWP investment strategies include:

• Start with a small amount and gradually increase the amount over time.
• Invest in multiple funds or different asset classes.
• Avoid over-investing in one fund or asset class.
• Regularly adjust the amount of SWP investments based on market conditions.
• Consider diversification by investing in multiple funds or asset classes.
• Consider long-term investments that provide steady returns.

Some important considerations with SWP include:

• Choose a sustainable withdrawal rate.
• Consider inflation impact.
• Monitor fund performance regularly.
• Maintain emergency funds separately.
• Review and adjust strategy periodically.

SWP investments are subject to capital gains tax. For equity funds, long-term capital gains (held > 1 year) above ₹1 lakh are taxed at 10%. For debt funds, gains are taxed at your income tax slab rate if held for less than 3 years.

SWP is a platform that allows individuals to invest in a variety of funds, including equity, debt, and hybrid funds. The platform provides a flexible and user-friendly interface for managing investments, allowing users to set withdrawal amounts, review portfolio performance, and access investment insights.

SWP provides regular income from investments, flexibility in withdrawal amount, potential for capital appreciation, better tax efficiency, and professional fund management.

SWP investments are subject to capital gains tax. For equity funds, long-term capital gains (held > 1 year) above ₹1 lakh are taxed at 10%. For debt funds, gains are taxed at your income tax slab rate if held for less than 3 years.