SWP Calculator
See how a Systematic Withdrawal Plan works on a real mutual fund — track monthly withdrawals, remaining corpus, and final value using actual NAV history.
Select Fund & Parameters
How SWP works
You invest a lumpsum into a fund, then set up a monthly withdrawal. Each month, we redeem just enough units at that month's actual NAV to pay you your withdrawal amount. The remaining units stay invested and continue to grow.
- → Real NAV used for each redemption
- → Corpus exhaustion detected automatically
- → Holiday-adjusted withdrawal dates
- → Regular-Growth plans only
SWP vs FD Interest
Unlike a Fixed Deposit where only interest is paid, SWP redeems units of a growing fund. In a bull market, your corpus can actually grow while you withdraw — making it far more tax-efficient and potentially higher-yielding than FD interest.
Safe Withdrawal Rate
Financial planners generally recommend keeping annual withdrawals under 7% of your corpus for equity funds (4–6% is conservative). Higher rates risk depleting the corpus faster than the fund can grow, especially during market downturns.