What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) is the exact opposite of a SIP. Instead of putting money in, you withdraw a fixed amount every month from your accumulated mutual fund corpus. It is the premier strategy for generating regular, tax-efficient passive income during retirement.
How Does an SWP Calculator Help You?
The biggest fear in retirement is outliving your money. Our SWP Calculator helps you determine exactly how long your corpus will last based on your monthly withdrawal rate, expected return on the remaining balance, and inflation.
SWP vs Fixed Deposits for Regular Income
SWPs in Equity or Hybrid Mutual Funds are vastly superior to traditional FDs for passive income. While FD interest is fully taxable as per your income slab, SWP withdrawals are treated as capital gains. Additionally, the remaining corpus in an SWP continues to grow, often beating inflation, whereas an FD corpus stagnates.