SWP
Systematic withdrawal plan
Taking a fixed amount out of a mutual fund every month, while the rest stays invested.
Used for a regular income in retirement. Each withdrawal is a sale, so only the gain part is taxed, often less than FD interest would be. It can run out if withdrawals are too high or returns poor.
SWP Calculator
Monthly income from your savings with a systematic withdrawal plan — and how long it lasts.
Related terms
Rules as of tax year 2026-27. Written by the Welthr team; last reviewed on . Not financial advice.