SWP Calculator
Calculate your Systematic Withdrawal Plan returns, remaining balance, and total withdrawals from mutual fund investments.
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Years
* সব হিসাব আনুমানিক।
গুরুত্বপূর্ণ — সিদ্ধান্ত নেওয়ার আগে পড়ুন
- SWP provides regular income from mutual fund investments without selling the entire holding at once
- Withdrawals from equity mutual funds held for more than 1 year attract LTCG tax at 10% on gains above ₹1 lakh per year
- SWP is more tax-efficient than FD interest for retirees, as only the capital gains portion is taxed — not the principal
- Your withdrawal rate should ideally be less than the expected rate of return to preserve your capital over time
- SWP can be started from any open-ended mutual fund scheme — equity, debt, or hybrid
- Market downturns can deplete your corpus faster than expected due to sequence of returns risk
- SWP is not a guaranteed income source unlike pension or annuity — returns depend on market performance
- Consider using a mix of debt and equity funds for SWP to balance stability and growth
এগুলো উপেক্ষা করলে কী হবে?
- Withdrawing more than your fund earns each month will steadily erode your principal until it runs out
- Starting SWP without an emergency fund may force you to increase withdrawals during unexpected expenses
- Ignoring tax implications of SWP from equity funds can lead to surprise tax bills on capital gains
- Not reviewing your SWP periodically can result in your corpus depleting years earlier than planned
- Relying solely on SWP without any guaranteed income source leaves you vulnerable to prolonged market downturns
স্মার্ট টিপস
- Keep your monthly withdrawal rate below 6-7% annually of your total corpus to make it last longer
- Use a debt or balanced fund for SWP if you need more predictable withdrawals with lower volatility
- Review and adjust your SWP amount annually based on fund performance and your actual expenses
- Maintain 6-12 months of expenses in a liquid fund or savings account as a buffer alongside SWP
- Start SWP after building a sufficiently large corpus — the bigger the base, the longer it sustains withdrawals
- Consider a systematic transfer plan (STP) from debt to equity before starting SWP for better entry points
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