SWP Calculator — Systematic Withdrawal Plan
Simulate withdrawals from an investment with periodic returns. Choose fixed amount or percentage withdrawals and see how long your money lasts.
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SWP Calculator – Systematic Withdrawal Plan Calculator Online
This SWP Calculator helps you calculate how much you can withdraw from your investment at regular intervals while allowing the remaining amount to grow with returns. It shows your monthly/annual withdrawals, total withdrawn amount, remaining balance, and when your investment will run out.
SWP is widely used by retirees, mutual fund investors, and individuals who want fixed monthly income without fully redeeming their investments.
This calculator supports:
Fixed amount withdrawals
Percentage-based withdrawals
Monthly, quarterly, half-yearly, and yearly withdrawal frequencies
Inflation adjustments
Custom investment period (tenure)
Real-time simulation of portfolio growth and depletion
What Is an SWP (Systematic Withdrawal Plan)?
An SWP is a method of withdrawing a fixed amount—or a percentage of your balance—from a mutual fund or investment at regular intervals. The remaining money continues to earn returns, helping the portfolio last longer and provide stable income.
People choose SWP for:
Monthly retirement income
Controlled withdrawals instead of lump-sum redemption
Tax-efficient cash flow
Disciplined investment management
How Does This SWP Calculator Work?
This SWP calculator uses a period-by-period simulation model:
Your investment grows at the expected return rate
Withdrawal amount is deducted (fixed or percentage)
The calculator tracks:
Remaining balance
Total withdrawn
Time until portfolio depletion
Final balance after given tenure
It gives a much more accurate result than simple formula calculators.
Why Use an SWP Calculator?
An SWP calculator helps you understand:
How long your investment will last
Income you can safely withdraw each month
Impact of changing withdrawal frequency
Effect of higher/lower return rates
How inflation affects real income
Whether your portfolio will deplete early
This tool gives you clarity, control, and confidence in planning your finances.
Key Features of This SWP Calculator
Fixed or percentage-based withdrawal option
Monthly, quarterly, half-yearly, yearly frequency
Investment growth simulated every period
Total withdrawn amount displayed
Time until portfolio depletion
Remaining balance at end of tenure
Copy, save, share, and search history
Clean, responsive design
Suitable for India and global investors
How to Use the SWP Calculator
Enter your initial investment amount
Enter the expected annual return (e.g., 8%)
Choose withdrawal type:
Fixed amount (₹)
Percentage of balance (%)
Select withdrawal frequency (monthly is common)
Enter tenure (optional — you can also simulate until depletion)
Click Calculate
You will instantly see:
Monthly/periodic withdrawal impact
Balance after each period
Total withdrawal over time
Depletion year (if applicable)
Examples
Example 1: Fixed SWP Amount
Investment: ₹10,00,000
Return: 8% p.a.
Withdrawal: ₹25,000 per month
Result: Investment will run out in approximately X years (calculated dynamically by your tool).
Example 2: Percentage-Based SWP
Investment: ₹15,00,000
Withdrawal: 1% of balance monthly
Return: 10% p.a.
Result: Portfolio lasts much longer because withdrawals reduce as balance reduces.
Benefits of SWP
Stable monthly income
Controlled withdrawals
Potential to extend lifespan of investment
Tax-efficient for long-term capital gains
Helps retirees avoid overspending
Protects principal when returns exceed withdrawals
Frequently Asked Questions (FAQ)
Is SWP better than withdrawing lump sum?
Yes. SWP allows your remaining balance to grow, extending the life of your investment.
How much can I safely withdraw through SWP?
Most financial planners recommend 3–6% per year, depending on return and inflation.
Does SWP guarantee returns?
No. SWP depends on market performance, fund type, and return variability.
Is SWP taxable?
Yes, capital gains tax applies—but usually more tax-efficient than lump-sum withdrawal.
How long will my SWP last?
You can calculate this using the simulator. It depends on return rate, withdrawal amount, and inflation.
Can I increase my SWP amount later?
Yes. You can adjust withdrawal at any time.
Conclusion
An SWP Calculator is essential for planning steady income from your investments. Whether you’re retired, semi-retired, or simply want predictable monthly cash flow, this calculator helps you optimize withdrawals, preserve capital, and avoid running out of money early.
Use the tool to test different strategies and choose the safest and most efficient withdrawal plan for your financial goals.