SWP Calculator — Systematic Withdrawal Plan

Calculate how long your corpus lasts with monthly SWP withdrawals, or how much corpus you need for target monthly income.

Private & secure
Fast in-browser
No signup

Based on Indian mutual fund SWP conventions — illustrative returns

How to use SWP Calculator — Systematic Withdrawal Plan

Open the tool. Go to SWP Calculator on Utilvia. It runs instantly in your browser.
Enter your values. Fill in the fields. Results update as you type — no signup required.
Review the output. Check totals, breakdowns, or formatted text before you copy or save.
Copy or export. Copy the result or download a file. Your inputs stay on this device.

Key features & privacy

SWP Calculator — Systematic Withdrawal Plan is built for in-browser use on Utilvia. Work stays on this device whenever the tool runs locally — there is no account wall and no file inbox on our servers.

Runs in modern browsers with JavaScript and HTML5.
No signup required to get a result.
Zero-upload policy on local-first tools — close the tab and the working copy is gone.
Shareable, indexable URL so you can return to the same utility later.

Frequently asked questions

How does SWP work in mutual funds?

A systematic withdrawal plan sells fund units on a schedule so you receive a fixed monthly amount. The remaining corpus stays invested and can grow. This calculator models that with a constant return — actual NAV movement will differ.

How much corpus do I need for SWP of ₹25,000 per month?

It depends on return and how long you need the income. At 8% for 20 years the present-value estimate is about ₹29.9 lakh. To keep the corpus from shrinking, you need enough that monthly return covers ₹25,000 — about ₹37.5 lakh at 8%.

Is SWP from mutual funds taxable?

Equity funds: the first ₹1,25,000 of long-term gains each year is exempt; gains above that are taxed at 12.5% if held over 12 months, or 20% if held 12 months or less. Debt funds are taxed at your slab rate. This tool does not subtract tax from the corpus path.

SWP or FD interest — which is better for retirement income?

An FD at 7% pays interest and keeps capital intact, but the monthly amount is usually lower. SWP can pay more if equity returns are higher, at the cost of dipping into corpus and market risk. Use both views here to compare.

Is this calculator free?

Yes. It runs in your browser with no signup. Your numbers stay on your device.