Quick Summary: SWP Calculator

An SWP (Systematic Withdrawal Plan) calculator helps you generate a regular income from your mutual fund investments while the remaining balance continues to grow. In FY 2026-27, SWPs are highly tax-efficient compared to FDs, as only the 'gains' portion of the withdrawal is taxed at 12.5% LTCG (after the ₹1.25L annual exemption).

How to use the SWP Calculator

  1. Enter Initial Investment

    Input the total amount you have in your mutual fund portfolio.

  2. Set Monthly Withdrawal

    Enter the fixed amount you wish to withdraw every month for expenses.

  3. Input Expected Return

    Provide the annual return rate you expect from the fund (e.g., 10 percent).

  4. Review Corpus Longevity

    See the projected value of your portfolio over time and find out how many years the funds will last.

Related Calculators

SIP Calculator
Pension Corpus Withdrawal Planner
Safe Withdrawal Rate (SWR) Simulator
PMVVY Calculator

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.