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SWP Calculator

SWP Calculator

Plan regular monthly withdrawals from your mutual fund corpus while keeping the balance invested.

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SWP Cash Flow Summary

Initial Corpus
₹50,00,000
Total Withdrawals
180 Months
Total Withdrawn
₹54,00,000
Remaining Balance
₹73,42,890
Withdrawal vs Remaining Balance Chart

Understanding Systematic Withdrawal Plan (SWP)

A Systematic Withdrawal Plan (SWP) allows an investor to redeem a pre-determined amount from their mutual fund scheme at regular monthly intervals, generating a dependable regular cash flow (ideal for retirees or monthly passive income).

Key Advantages of SWP over Traditional Fixed Income

  • High Tax Efficiency: Unlike FD interest which is taxed entirely on accrual, SWP withdrawals consist of both principal and capital gains — only the gain portion is subject to capital gains tax!
  • Capital Appreciation Potential: The remaining un-withdrawn corpus stays invested in the fund, earning potential market compound returns.
  • Flexible Payouts: Modify withdrawal amounts, pause, or stop at any time without penalty.
Calculator Disclaimer — One Source Financial Services (ARN: 48230)

This calculator is provided for general informational and illustrative purposes only. The maturity values, returns, and projections shown are indicative estimates calculated using standard compound interest assumptions based on the user's inputs — they do not constitute financial advice, guaranteed returns, or official commitments from One Source Financial Services or product issuers. Actual returns are subject to market volatility, load structures (TER), compounding conventions, applicable Tax Deducted at Source (TDS), and capital gains taxes. Please consult official scheme information documents (SID / KIM) and seek professional financial guidance before making investment decisions.