Systematic Withdrawal Plan (SWP) Calculator

Calculate your SWP investment returns and plan your one-time investments with our comprehensive lumpsum or sip calculator

SWP Calculator

Calculate your Systematic Withdrawal Plan returns

Enter Details

₹10,00,000
₹1,00,000₹1,00,00,000
₹5,000
₹1,000₹1,00,000
15 years
1 years30 years
10%
1%30%

Consider Inflation?

Total Withdrawn₹0
Final Corpus₹0
Wealth Gained₹0

Graphical Representation

Wealth Distribution

Key Metrics

Investment Summary

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) is a financial strategy that allows investors to withdraw a fixed amount from their investment at regular intervals, while keeping the remaining corpus invested. SWPs are particularly popular among retirees and those seeking a regular income from their investments.

How does an SWP work?

In an SWP, you determine a fixed amount that you want to withdraw regularly (usually monthly) from your investment corpus. This amount is then redeemed from your investment at the specified intervals, providing you with a regular income stream. The remaining amount stays invested and continues to potentially grow.

Benefits of SWP:

  • Regular Income: Provides a steady stream of income at regular intervals.
  • Flexibility: You can adjust the withdrawal amount and frequency as per your needs.
  • Tax Efficiency: Only the capital gains portion of your withdrawal is taxable, not the entire amount.
  • Market Timing: Helps in avoiding the risks associated with timing the market.
  • Capital Preservation: The remaining corpus stays invested and continues to earn returns.

How to use the SWP Calculator:

Our SWP calculator helps you determine how long your investment corpus will last based on your withdrawal rate and expected returns. To use it:

  1. Enter your initial investment amount.
  2. Specify the monthly amount you wish to withdraw.
  3. Input the expected annual return on your investment.
  4. Choose whether to account for inflation.
  5. The calculator will show how long your corpus will last and the total amount you'll withdraw over time.

Factors affecting your SWP:

  • Initial Investment: Higher the initial investment, longer your corpus will last.
  • Withdrawal Rate: Higher withdrawal rates deplete your corpus faster.
  • Expected Returns: Higher returns help your corpus last longer despite withdrawals.
  • Inflation: If enabled, the calculator adjusts returns for the effects of inflation.

This calculator provides estimates based on the information you provide. Actual returns may vary based on market conditions and the performance of your investments.