SWP (Systematic Withdrawal Plan) Calculator
Calculate how long your corpus lasts with fixed monthly withdrawals.
How to use: Enter your one-time investment amount, expected annual return (in %), and the fixed amount you want to withdraw every month.
Then enter the maximum number of years you want to run this SWP and click on the "Calculate SWP" button.
This tool will show how many months/years your corpus survives and the remaining balance (if any).
This is an educational tool only. Actual returns may vary depending on market conditions and scheme charges.
SWP Calculator – Systematic Withdrawal Plan Calculator Online
A Systematic Withdrawal Plan (SWP) is one of the best investment strategies that allows you to withdraw a fixed amount from your investment every month. If you want to know how long your investment will last, how much you can withdraw every month, and what your remaining balance will be, then this free online SWP calculator will help you instantly.
Our SWP Calculator shows the complete month-by-month withdrawal chart, interest earned, and closing balance. You just need to enter the initial investment, expected annual return, monthly withdrawal and duration. The calculator will automatically generate the results in seconds.
✔ What is an SWP (Systematic Withdrawal Plan)?
Systematic Withdrawal Plan is a smart way to generate fixed monthly income from your investments. Unlike lump sum withdrawal, SWP gives you stable cash flow without disturbing your total investment drastically.
Many investors choose SWP to:
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Create monthly passive income
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Maintain retirement corpus
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Withdraw profit without market timing
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Protect capital from sudden market fall
SWP works just like a reverse SIP, where you withdraw a fixed amount instead of investing monthly.
✔ Benefits of SWP Calculator
The Systematic Withdrawal Plan calculator helps you understand:
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How long your investment will last
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Monthly income you will receive
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Expected return on investment
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Remaining balance at the end
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Total wealth created
This helps you in better financial planning and retirement strategy.
✔ How to Use SWP Calculator?
- Enter your Initial Investment (₹)
- Enter Expected Annual Return (%)
- Enter Monthly Withdrawal (₹)
- Select Investment Duration (years)
- Click on the Calculate SWP button
The tool will show:
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Corpus remaining
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Income generated every month
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Total withdrawal possible
✔ Who Should Use SWP?
This SWP Calculator is useful for:
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Retired persons
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Mutual fund investors
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SIP investors
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Financial planners
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Early retirement planners
If you want fixed monthly returns and want your money to last longer, SWP is a perfect choice.
✔ Why This SWP Calculator?
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100% free online tool
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Instant results
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Simple and easy calculation
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Works on mobile and desktop
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Shows detailed monthly report
Whether you are planning retirement or passive income, this calculator gives you clear insights about your financial future.
✅ FAQs for SWP Calculator
1. What is an SWP Calculator?
An SWP Calculator helps you calculate monthly withdrawals from your investment and shows how many years your money will last along with remaining balance and interest earned.
2. How does the SWP Calculator work?
You enter your investment amount, expected annual return and the monthly withdrawal amount. The calculator then computes the duration your corpus sustains and the closing balance each month.
3. What is the benefit of an SWP?
SWP allows you to withdraw money regularly without redeeming your entire investment. It gives steady income and protects your capital from market volatility.
4. Who should use an SWP?
SWP is useful for mutual fund investors, retired persons, passive income seekers and anyone who wants regular monthly cash flow.
5. Does SWP guarantee returns?
No, SWP does not guarantee returns. The performance depends on the market returns of the fund you choose.
6. Can I increase or stop my SWP anytime?
Yes, SWP is flexible. You can increase, reduce or stop SWP based on your investment goal.
Final Words
The SWP calculator is an essential tool for anyone who wants stable monthly income from investment. Try different combinations of investment, returns and SWP amount to get the best plan for your financial goals.
