SWP Calculator

Estimate monthly cash flows and capital longevity with our Systematic Withdrawal Plan (SWP) calculator. Ideal for retirement and post-investment planning.

Total investment / corpus from which withdrawals will be made.

Amount withdrawn every period.

About SWP Calculator

SWP Calculator — design a systematic withdrawal plan for a steady income flow. Perfect for retirees or anyone needing regular payouts from their investments.

How to use the SWP Calculator

  1. Enter your total investment amount.
  2. Set your desired monthly withdrawal amount.
  3. Provide the expected annual return rate and duration.
  4. Click Calculate to see how long your returns can sustain withdrawals.

Example

With an investment of ₹20 lakhs and a monthly withdrawal of ₹15,000 at 9% return, your capital can last for over 20 years while still growing initially.

Tips for Sustainable SWP

  • Ensure your withdrawal rate is lower than your expected return rate to preserve capital.
  • Account for inflation — increase withdrawals periodically if needed.
  • Choose tax-efficient funds for SWP to minimize tax impact.

FAQs

Is SWP tax-free?
Not entirely — capital gains tax applies to the profit portion of each withdrawal, depending on the fund type and holding period.
Can I stop SWP anytime?
Yes — SWP is flexible. You can stop, pause, or change the amount whenever you wish.

Plan your cash flow wisely — prioritize capital preservation for long-term income.