SWP Calculator - Systematic Withdrawal Plan
← Back to Calculators

SWP Calculator

Systematic Withdrawal Plan - Plan your regular income from investments

Enter Your Details

Your Results

Total Amount Withdrawn

12,00,000

Remaining Balance After 10 Years

₹10,00,000

Initial Investment

10,00,000

✓ Sustainable Withdrawal Plan

Your corpus will last the entire 10 year period with ₹10,00,000 remaining.

* Calculations assume constant returns. Actual returns may vary based on market conditions.

About SWP Calculator

💸

Regular Income

Plan systematic withdrawals to generate steady monthly income from your investments

🏖️

Retirement Planning

Ideal for retirees to create a pension-like income stream from their corpus

📉

Sustainability Check

See if your corpus will last the desired period or when it might deplete

💹

Continued Growth

Remaining corpus continues to grow while you withdraw, maximizing longevity

Withdrawal Impact Visualization

₹10L₹8.5L₹5.5L₹3L₹0Year 2: ₹10,00,000 Declining: ₹0Year 4: ₹10,00,000 Declining: ₹0Year 6: ₹10,00,000 Declining: ₹0Year 8: ₹10,00,000 Declining: ₹0Year 10: ₹10,00,000 Declining: ₹0Year 0Year 2Year 4Year 6Year 8Year 10

Initial Investment

10,00,000

Total Returns

12,00,000

Total Withdrawn

12,00,000

Final Balance

₹10,00,000

📉 Net Decline0

Your corpus declined because withdrawals exceeded returns over the period

📊 Key Insights

  • • Monthly withdrawal: ₹10,000 | Annual return: 12%
  • • Total returns earned: ₹12,00,000 over 10 years
  • ⚠️ Corpus declined but sustainable for 10 years
  • 💡 Consider reducing withdrawal rate for long-term sustainability
Initial Investment (Reference)
Growing (Returns > Withdrawals)
Declining (Withdrawals > Returns)

What is SWP?

Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals. It's ideal for retirees or anyone seeking regular income from their investments.

Benefits of SWP:

  • Regular income stream from your investments
  • Tax-efficient compared to fixed deposits
  • Remaining corpus continues to grow
  • Flexibility to change withdrawal amount
  • Rupee cost averaging benefit on withdrawals
Chat with us on WhatsApp