SWP Calculator
Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investment regularly. Ideal for planning retirement cash flows.
Total Investment
₹1,000,000
Monthly Withdrawal
₹10,000
Expected Return Rate (p.a)
8%
Time Period
10 Years
Total Withdrawal
₹1,200,000
Final Balance
₹390,180
Portfolio Sustainability (Remaining Balance)
Detailed Yearly Breakdown
| Year | Total Withdrawn | Remaining Balance |
|---|---|---|
| 1 | ₹120,000 | ₹958,500 |
| 2 | ₹240,000 | ₹913,556 |
| 3 | ₹360,000 | ₹864,881 |
| 4 | ₹480,000 | ₹812,167 |
| 5 | ₹600,000 | ₹755,077 |
| 6 | ₹720,000 | ₹693,249 |
| 7 | ₹840,000 | ₹626,289 |
| 8 | ₹960,000 | ₹553,771 |
| 9 | ₹1,080,000 | ₹475,235 |
| 10 | ₹1,200,000 | ₹390,180 |
About SWP Calculator
Perfect your retirement strategy by balancing regular income with long-term portfolio growth. Plan your cash flow with institutional-grade precision.
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) is a facility that allows an investor to withdraw a specific amount of money from their mutual fund investments at regular intervals (monthly, quarterly, or annually).
While an SIP is for building wealth, an SWP is designed for wealth distribution, making it a favorite among retirees and those seeking a regular monthly income from their accumulated corpus.
SWP for Retirement: Creating Your Own Pension
One of the biggest challenges in retirement is ensuring your money lasts as long as you do. An SWP calculator helps you solve this by projecting how your portfolio balance changes over time as you take withdrawals.
- Sustainability: Determine if your monthly withdrawal amount is too aggressive for your portfolio size.
- Tax Efficiency: SWP withdrawals are often more tax-efficient than traditional pension plans or bank interest.
- Market Growth: Unlike a fixed deposit, the remaining balance in an SWP continues to grow according to market returns.
SWP vs. Dividend Options
Many investors choose SWP over dividend options because it provides certainty. Dividends depend on the fund's performance and are not guaranteed, whereas an SWP allows you to decide exactly how much you need to meet your monthly expenses.
Our tool helps you visualize this "longevity" of your funds, ensuring you don't outlive your savings.