SWP Calculator
Calculate the cash depletion and balance timeline of a Systematic Withdrawal Plan (SWP).
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Information provided on WealthMaze is for educational purposes only. All return calculations are estimates based on user inputs. Not financial advice.Calculation Output & Analysis
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4Benefits of Systematic Withdrawal Plans (SWP)
Our SWP Calculator maps out your retirement cash depletion schedule. A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money from your mutual fund scheme at regular intervals (usually monthly). It is commonly used by retirees to generate a steady monthly income from their retirement corpus.
Frequently Asked Questions (FAQ)
Is SWP tax-free?
SWP withdrawals are treated as redemptions of units, so they are subject to Capital Gains Tax (LTCG or STCG) depending on the holding period and asset type, rather than being taxed entirely as income (unlike fixed deposit interest or annuity payouts).
How do I calculate SWP monthly withdrawals?
Enter your initial retirement corpus, monthly withdrawal amount, expected rate of return, and tenure into the SWP calculator to view your future balance timeline.