SWP Calculator
Plan your monthly income from mutual fund investments — simply and clearly
Corpus Balance Over Time
Year-wise Breakdown
| Year | Opening | Withdrawn | Returns | Closing |
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Disclaimer: This SWP calculator is for illustration purposes only and does not represent actual returns. Mutual fund investments are subject to market risks. Returns shown are based on an assumed fixed rate which may not reflect actual fund performance. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing. BrokerJi.com is operated by an AMFI Registered Mutual Fund Distributor (ARN: 153266) and is not a SEBI Registered Investment Advisor.
What is a SWP (Systematic Withdrawal Plan)?
A Systematic Withdrawal Plan (SWP) allows you to invest a lumpsum in a mutual fund and withdraw a fixed monthly amount as regular income. The remaining corpus stays invested and keeps earning returns — making SWP one of the most tax-efficient monthly income options for Indian investors and retirees.
How Much Corpus Do You Need for ₹1 Lakh Monthly Income?
At 9% p.a. for 20 years, you need approximately ₹1.11 Crore. At the safer 7% assumption, around ₹1.29 Crore. Always plan using a conservative return rate so your corpus survives even in weaker markets.
SWP vs FD — Which is Better?
- Tax efficiency: Only the gain portion of SWP is taxed. FD interest is fully taxable at your slab rate (up to 30%).
- Returns: Balanced hybrid funds have historically returned 8–10% vs FD's 6.5–7.5%.
- Flexibility: Change or stop SWP anytime. FDs attract premature withdrawal penalty.
Which Funds Are Best for SWP?
- Balanced Advantage Funds — Most popular. Dynamic equity-debt allocation reduces volatility.
- Aggressive Hybrid Funds — Good for 7–10 year horizon with moderate risk.
- Equity Savings Funds — Conservative, stable 6–8% returns.