SWP Calculator

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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.

This calculator is meant to be used for indicative purposes only. It is designed to assist you in determining the appropriate amount of prospective investments. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Upstox does not take the responsibility/liability nor does it undertake the authenticity of the figures calculated therein. Upstox makes no warranty about the accuracy of the calculators/reckoners. The examples do not claim to represent the performance of any security or investments. In view of the individual nature of tax consequences, each investor is advised to consult his/her own professional tax advisor before making any investment decisions on the basis of the results provided through the use of this calculator.