SWP Calculator

Conservative Hybrid Funds, Balanced Advantage Funds, or Equity Savings Funds are popular for SWPs because they balance stable returns with moderate risk.

There is no fixed regulatory minimum, but most mutual fund houses require a minimum initial balance of ₹25,000 to ₹50,000 before initiating an SWP.

Yes, most fund houses allow you to choose monthly, quarterly, half-yearly, or annual withdrawal frequencies.

An SWP is a mutual fund facility that allows investors to withdraw a fixed amount of money at regular intervals from their existing mutual fund investments.

In an annuity, your capital is locked in permanently, and you receive fixed taxable payouts. In an SWP, you retain complete ownership of your capital, can stop or modify withdrawals anytime, and pay tax only on the gains component, making it far more flexible and tax-efficient.

Yes, you specify the fixed withdrawal amount when setting up the SWP. However, you can change, stop, or pause this amount at any time.

If your monthly withdrawal rate is higher than the interest/returns generated by the portfolio, your initial corpus will slowly deplete and can eventually run out (reach zero).

Each withdrawal is treated as a partial redemption of units. The gain is calculated as the withdrawal amount minus the original cost of purchase of those specific units. Tax is then applied depending on the fund type and holding period.

Yes, if withdrawals are made within the exit load period (typically 1 year for equity funds), an exit load of 1% may be charged on the withdrawn amount. Many funds offer exit-load-free withdrawals up to 10% of the units per year.

Yes, but it is generally recommended to wait at least one year before starting withdrawals to avoid short-term capital gains tax and exit loads.

It helps retirees and FIRE planners estimate whether a monthly mutual fund withdrawal is sustainable given corpus size, expected returns, and tenure.

SWP can be more tax-efficient because only the gains portion of each redemption is taxed, and you keep flexibility over capital. FD interest is usually fully taxable at your slab rate.