SWP Calculator
Plan monthly income from your corpus with a Systematic Withdrawal Plan.
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FD Comparison
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SWP Results
Remaining Corpus After Period
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Monthly Withdrawal
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Total Amount Withdrawn
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SWP vs FD — Year-by-Year Comparison
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Frequently Asked Questions
- What is a Systematic Withdrawal Plan?
- SWP is a mutual fund facility that lets you withdraw a fixed amount monthly from your corpus. The remaining balance continues to earn returns, making it an efficient way to generate regular income in retirement while the corpus potentially grows.
- How does SWP compare to a Fixed Deposit?
- SWP from equity or balanced funds typically earns 8-12%, higher than FD rates of 6-8%. For the same monthly withdrawal, SWP corpus depletes more slowly. Over 15-20 years, SWP generally outperforms FD due to higher underlying returns.
- Is SWP taxable in India?
- Yes. For equity mutual funds: long-term gains (over 1 year) above ₹1.25 lakh/year are taxed at 12.5%. Short-term gains at 20%. Debt funds are taxed at your income slab rate. SWP is generally more tax-efficient than FD interest, which is fully taxable.
- How much corpus do I need for ₹50,000/month?
- At 10% annual return, approximately ₹60 lakh corpus can sustain ₹50,000/month for 20+ years. At 6%, you need close to ₹1 crore. The higher your investment return, the smaller the corpus needed for the same monthly income.