SWP vs FD Income Comparator
Compare regular monthly income from Systematic Withdrawal Plan (SWP) vs Monthly Fixed Deposit interest. Includes tax impact.
Quick Summary: SWP vs FD Income Comparator
The SWP vs FD Comparator shows that Systematic Withdrawal Plans (SWP) from equity mutual funds are more tax-efficient than FD interest in FY 2026-27. While FD interest is fully taxable at your slab rate, only the gain portion of an SWP is taxed (often at 12.5% LTCG), preserving more of your monthly income.
How to use the SWP vs FD Income Comparator
- 1
Enter Principal Amount
Input the total capital you wish to invest (e.g., ₹10,00,000).
- 2
Set Desired Monthly Income
Enter the amount you need to receive every month for expenses.
- 3
Input Interest & Return Rates
Provide the FD interest rate and the expected return from the mutual fund.
- 4
Compare Post-Tax Inflow
Review the difference in net cash received after accounting for income tax and capital gains.
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Regulatory Disclaimer
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.