Swp Calculator

SWP Calculator

The SWP Calculator determines the value of one’s mutual fund investments post withdrawal.

Less than 2 Years, Generally associated with Lower Returns and Lower Risk

Total Investment


Total withdrawal


Final value



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Frequently Asked Questions

Investors who seek regular income from their investments should opt for the Systematic Withdrawal Plan, which allows them to invest and enjoy their returns in mutual funds. You can decide the amount and frequency of the withdrawal. You can withdraw the gains and keep the original investment intact. On a pre-defined date by the investor, at every periodic interval, the units from the mutual fund portfolio will be sold and the funds will be transferred to the investor's bank account. 

  • 1. Create a regular source of secondary income: A little extra can always give you a better cushion to manage your life expenses, be it handing out additional pocket money to your growing children, supporting your ageing parents, or helping your partner start something new. 
  • 2. Create your pension plan: It helps you make your own pension plan, create a corpus amount, and, some years before your retirement, invest in a mutual fund with low risk through SWP and enjoy the periodic payouts. 
  • 3. Protect your capital: With SWP, if you limit your withdrawals to less than the returns of the fund, you will be able to keep your initial invested corpus intact for longer. 
  • 4. Tax Benefits: Investors who are in a high tax bracket prefer SWP as there are no TDS deductions on capital gains. Capital gains from equity and equity-obtained funds are taxed at 15% for the short term, i.e., within 12 months. Profits made after 12 months or long term are tax-free up to Rs 1 lakh in the financial year. Capital gains over Rs. 1 lakh are taxed at 10%. In the case of debt funds, returns redeemed within 36 months from the dates of investment are treated as short-term gains and are taxed at the applicable income tax rate of the investor. Profits made after 3 years or more are rated as long-term gains and are taxed at 20% after allowing indexation benefits.