# SWP Calculator — Arthum Wealth Services

A Systematic Withdrawal Plan (SWP) pays you a fixed amount each month while the rest of the corpus stays invested and keeps growing. See how long your money lasts and the balance at the end of your horizon.

**How it's calculated:** each month the balance earns the monthly return, then the fixed withdrawal is deducted. If a return outpaces the withdrawal rate, the corpus can last decades.

Key points:
- A common starting withdrawal rate is ~4–6% of the corpus per year.
- Withdrawing too aggressively exposes you to sequence-of-returns risk.
- An SWP can be more tax-efficient than FD interest — only the gain portion of each withdrawal is taxed.

Try also: [Retirement](/calculators/retirement/) · [Lumpsum](/calculators/lumpsum/) · [Fixed Deposit](/calculators/fd/)

Calculator outputs are illustrative estimates and do not guarantee returns. Mutual fund investments are subject to market risks.

**Set up an SWP:** +91 95956 11222 · utkarsh.agrawal777@gmail.com · https://www.assetplus.in/mfd/utkarsh