Systematic Withdrawal Plan (SWP)
Calculate how long your investment can last with regular withdrawals using a Systematic Withdrawal Plan (SWP).
The calculation assumes a fixed annual return rate and regular monthly withdrawals for the entire period.
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SWP Calculator
Result of your Systematic Withdrawal Plan.
With initial principal of ₹20,00,000 and monthly withdrawal of ₹10,000 at 8% return, you should have ₹0 remaining.
Total withdrawal: ₹0 over 10 years, with interest earned of ₹0.
If you’ve built a nest egg (like mutual funds or stocks) and want to turn it into a steady income stream, a Systematic Withdrawal Plan (SWP) can help. But figuring out how much you can withdraw regularly without running out of money? That’s tricky. An SWP calculator makes this easy.
What’s an SWP Calculator?
It’s a tool that estimates:
- How much money you can take out monthly/quarterly/yearly.
- How long your savings will last based on expected returns.
- The future balance of your investment after withdrawals.
Think of it like a "paycheck planner" for your investments.
How to Use the SWP Calculator (3 Simple Steps)
- Enter your investment details:
- Current investment value (e.g., ₹5 lakhs).
- Expected annual return (e.g., 10%).
- Set your withdrawal plan:
- Amount per withdrawal (e.g., ₹5,000 monthly).
- Withdrawal frequency (monthly/quarterly/etc.).
- Time period (e.g., 15 years).
- Hit "Calculate":
Instantly see:
- Your remaining balance year-by-year.
- Whether your savings will last your chosen timeline.
When Should You Use an SWP Calculator?
- Retirement planning: "Will my savings fund my lifestyle for 20 years?"
- Regular income needs: "Can I withdraw ₹10,000 monthly for my child’s education?"
- Testing scenarios: "What if I take out ₹20,000 instead of ₹15,000?"
SWP vs. SIP: What’s the Difference?
- SIP (Saving Mode): You add money regularly to build wealth.
- SWP (Income Mode): You withdraw money regularly to use your wealth.
Both help manage cash flow—but in opposite directions!
Why Use an SWP Calculator?
- Avoid guesswork: Know exactly how withdrawals affect your savings.
- Plan safely: Adjust amounts if your balance dips too low.
- Peace of mind: Confidently enjoy retirement or fund goals without money stress.