SWP Calculator | Systematic Withdrawal Plan Calculator
The Systematic Withdrawal Plan (SWP) Calculator helps you plan and visualize regular withdrawals from your investments in mutual funds, generating steady income while preserving part of your investment. This calculator allows you to customize withdrawal amounts, expected annual return rates, and duration to estimate your investment's longevity and remaining balance.
Total Investment: ₹0
Total Withdrawal: ₹0
Final Value: ₹0
What is a Systematic Withdrawal Plan?
With an SWP, you invest a lump sum in a mutual fund and specify an amount to withdraw periodically, such as monthly. For example, if you invest ₹1,00,000 in a mutual fund and decide to withdraw ₹10,000 monthly, your investment reduces by ₹10,000 each month while the remaining balance stays invested, allowing it to grow.
How to Use the SWP Calculator
Our SWP Calculator is designed to help you understand how much you can withdraw from your lump-sum investments while tracking your remaining balance over time. Simply enter your total investment amount, desired monthly withdrawal, expected return rate, and investment period.
Why Use an SWP Calculator?
- Calculate your monthly withdrawals effortlessly.
- See the growth of your invested balance after each withdrawal.
- Plan your finances and ensure a steady income stream.
Example Calculation
Assume you invest ₹50,000 with an SWP withdrawal of ₹1,000 per month at a 10% expected annual return. After a year, you will have withdrawn ₹12,000, and your remaining balance, including earned returns, would be ₹42,677.
| Month |
Opening Balance |
Withdrawal |
Monthly Return (0.83%) |
Closing Balance |
| 1 |
₹50,000 |
₹1,000 |
₹408 |
₹49,408 |
| 2 |
₹49,408 |
₹1,000 |
₹403 |
₹48,812 |
| 3 |
₹48,812 |
₹1,000 |
₹398 |
₹48,210 |
| 4 |
₹48,210 |
₹1,000 |
₹393 |
₹47,604 |
| 5 |
₹47,604 |
₹1,000 |
₹388 |
₹46,992 |
| 6 |
₹46,992 |
₹1,000 |
₹383 |
₹46,375 |
| 7 |
₹46,375 |
₹1,000 |
₹378 |
₹45,753 |
| 8 |
₹45,753 |
₹1,000 |
₹373 |
₹45,126 |
| 9 |
₹45,126 |
₹1,000 |
₹368 |
₹44,494 |
| 10 |
₹44,494 |
₹1,000 |
₹362 |
₹43,856 |
| 11 |
₹43,856 |
₹1,000 |
₹357 |
₹43,214 |
| 12 |
₹43,214 |
₹1,000 |
₹352 |
₹42,677 |
Benefits of an SWP Calculator
This calculator is ideal for individuals, especially retirees and those looking for consistent monthly income. Simply enter your values to get an estimate of how much you can withdraw each month and how much your investment might grow over time. Key benefits include:
- Easily accessible and intuitive design.
- No specialized knowledge required to operate.
- Helps you plan your monthly withdrawals and view your fund’s future value.
FAQs
1. Can I customize the monthly withdrawal amount?
Yes, you can specify any amount for withdrawal, provided it aligns with your investment and expected returns.
2. When is SWP most beneficial?
SWP is beneficial when you need steady income from an investment, making it ideal for retirees and those seeking regular cash flow.
3. Who can invest in an SWP?
Anyone looking for structured withdrawals can consider an SWP, even non-retirees, as it offers flexibility and potential growth.
Disclaimer: The SWP Calculator is intended to provide a general idea of how your withdrawals may affect your investment. Actual returns may vary.
Related Calculator Tools
SIP Calculator
Use our SIP Calculator to quickly estimate the future value of your investments and plan your financial goals effectively.
Go to Tool