Design monthly cash-flow payouts while keeping your remaining mutual fund corpus invested.
Adjust numerical values below or drag sliders to recalculate trajectory in real time.
Total accumulated savings or retirement corpus parked in mutual funds.
Fixed monthly payout transferred to your bank account for living expenses.
Expected annual return on your invested mutual fund balance.
Number of years you plan to withdraw regular monthly payouts.
Interactive visual breakdown of cumulative payout extracted vs. surviving fund balance over time.
Comprehensive guide covering foundational concepts, regulatory rules, and advanced strategies.
An SWP is the exact opposite of an SIP. While SIP is used during your working years to accumulate wealth by investing monthly, SWP is designed for your retirement post-work years to generate a reliable, automated monthly pension from your mutual fund investments while allowing the remainder of your money to keep earning compound returns.
SWP is vastly more tax-efficient than earning monthly interest from an FD. When you withdraw ₹35,000 via SWP, only the capital gain portion inside those specific mutual fund units is taxed (and up to ₹1.25 Lakh of equity LTCG per year is completely tax-free!). In contrast, 100% of FD interest is taxable at your full slab rate. In wealth management, the '4% Rule' suggests that withdrawing ~4% to 6% of your corpus annually allows your principal to last indefinitely.