Can an SWP projection use a negative expected return?

Yes. A negative return is a valid stress-test assumption and reduces the projected corpus before each withdrawal. Real mutual-fund returns are not constant and can vary materially from month to month.

Does the SWP result include mutual-fund tax, exit load or scheme expenses?

The corpus projection remains gross of tax, exit load and scheme expenses. A separate section estimates one represented redemption from acquisition-lot inputs because tax depends on the units sold, their cost, holding period and fund classification. It does not deduct tax month by month from the SWP corpus.

What happens if the planned withdrawal exhausts the corpus?

The calculator limits the final withdrawal to the available balance and then stops the projection at zero. It does not assume borrowing or a negative fund balance.

SWP Calculator with Tax Estimate

Project systematic withdrawals and the remaining corpus, then estimate redemption tax separately using your purchase date, units and NAV. Tax is calculated on gains—not the full withdrawal.

SWP Calculator (Systematic Withdrawal Plan)

Calculate regular monthly cash payout from Mutual Funds and remaining investment corpus.

Total Lump Sum Corpus₹50,00,000

Monthly Payout Withdrawal₹30,000

Expected Return (p.a.)8%

Withdrawal Duration10 Yrs

Monthly withdrawal timing

Total Monthly Cash Withdrawn

₹36,00,000

Remaining Corpus Balance

₹56,09,820

Total Returns Earned

+₹42,09,820

This projection assumes a constant return and applies withdrawals at the selected point in each month. The corpus projection is gross of tax, exit load and scheme expenses. Use the separate acquisition-lot estimator below for an indicative tax calculation.

SWP redemption tax estimate

This section uses acquisition lots and redemption facts. It does not infer tax from a headline return percentage alone.

Purchase dateUnits in this acquisition lotunitsPurchase NAV / cost per unitINRRedemption dateUnits redeemedunitsRedemption NAVINRFund tax categoryEarlier eligible equity LTCG this tax yearINREntered surcharge rate%

Redemption value

₹1,40,000

Acquisition cost

₹1,00,000

Short-term gain

₹0

Long-term gain

₹40,000

Estimated tax

₹0

After-tax redemption

₹1,40,000

Limitations

• Lots are consumed in purchase-date order for this estimate. Verify the identification method and statement data that apply to the actual holding.
• Capital losses are shown separately and are not automatically set off against gains because loss character, other transactions and filing conditions matter.
• Fund classification, holding period, transaction date and statutory conditions can change the final treatment.
• Exit load, stamp duty, brokerage, treaty relief, basic-exemption adjustment and return-specific rounding are outside this estimate.

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Frequently Asked Questions (FAQs)

It applies the entered annual return as a constant monthly rate, credits that month’s return to the opening balance, and then deducts the monthly withdrawal. The process repeats until the selected tenure ends or the corpus is exhausted.