SWP Calculator
Calculate your systematic withdrawal plan and plan your regular income from investments.
Total value of your investment
Invested amount
₹1,00,000
Total withdrawals
₹72,000
Total value
₹30,656
What is SWP?
A systematic withdrawal plan (SWP) provides regular income to investors. You can withdraw a fixed or a variable amount on a predetermined date every month, quarter, or year. Cash flows can be customised to withdraw either a fixed amount or the investment’s capital gains. Let’s say you own 10,000 units in a mutual fund scheme. You have specified a set of instructions to the mutual fund house whereby you seek to withdraw ₹4,000 every month through the SWP. On 1 January 2020, the NAV of the scheme was ₹10. The mutual fund house would redeem 400 units (₹4,000/10 = 400 units) and give you an amount of ₹4,000. You still have 9,600 units left in the mutual fund scheme. If on 1 February 2020, the NAV of the mutual fund scheme increased to ₹15, the mutual fund house would redeem 266 units (₹4,000/ ₹15 = 266 units) and give you ₹4,000 for the month of February. Now you are left with 9,600 units – 266 units or 9,334 units. You can repeat the computations for the next several months in the same way.