Plan systematic withdrawals from mutual fund investments
SWP Calculator is a free, browser-based tool that lets you plan systematic withdrawals from mutual fund investments — with zero signup, zero installation. Your data never leaves your browser. Part of 67+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.
Initial Investment
50.00 L
Total Withdrawn
60.00 L
Total Growth (Interest Earned)
1.87 Cr
Remaining Corpus
1.77 Cr
Effective Monthly Income
₹25,000
Corpus Breakdown
Remaining Corpus Over Time
SWP vs SIP — Key Differences
| Feature | SWP (Withdrawal) | SIP (Investment) |
|---|---|---|
| Purpose | Regular income from existing corpus | Wealth creation over time |
| Cash Flow | Money flows out of fund | Money flows into fund |
| Best For | Retirees, passive income seekers | Salaried individuals, long-term investors |
| Tax Efficiency | Only gains portion taxed, not principal | Taxed on redemption as capital gains |
| Risk | Corpus depletion if returns are low | Market volatility, but rupee cost averaging helps |
SWP Tax Implications in India (FY 2026-27)
SWP withdrawals from mutual funds are treated as redemptions. Each withdrawal has two components: return of principal (not taxed) and capital gains (taxed).
SWP is more tax-efficient than traditional fixed deposits or dividend plans because only the gains portion of each withdrawal is taxed, not the full withdrawal amount.
Enter your initial investment (lump sum corpus in mutual funds)
Set the monthly withdrawal amount you need
Choose expected annual return rate based on fund type
Select withdrawal period in years to see year-wise breakdown
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