SWP Calculator
SWP Calculator – Plan Regular Income from Mutual Funds
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount at regular intervals from their mutual fund investments while the remaining amount continues to earn returns. Our SWP Calculator helps you estimate how long your investment can last and how much balance will remain after periodic withdrawals.
SWP is widely used for retirement income planning, passive income generation, and tax-efficient withdrawals in India.
What Is an SWP Calculator?
An SWP Calculator is a financial tool that estimates:
- Total amount withdrawn over time
- Remaining investment value after withdrawals
It considers the initial investment, withdrawal amount, expected rate of return, and duration.
How Does a Systematic Withdrawal Plan Work?
In an SWP:
- You invest a lumpsum amount in a mutual fund
- A fixed amount is withdrawn monthly or quarterly
- The remaining corpus continues to grow
- Returns help sustain withdrawals for a longer period
This makes SWP an excellent alternative to fixed deposits for retirees.
How to Use the SWP Calculator
- Enter your total investment amount
- Specify the monthly withdrawal amount
- Select the expected annual return
- Choose the withdrawal duration
- Click Calculate
The calculator instantly displays:
- Total money withdrawn
- Remaining corpus value
SWP Calculation Logic (Simple Explanation)
Each month:
- The investment earns returns
- A fixed withdrawal is deducted
- The remaining balance continues to compound
This reflects real-world SWP behavior in mutual funds.
Benefits of SWP in Mutual Funds
- Regular income after retirement
- More tax-efficient than fixed deposits
- Flexibility to change withdrawal amount
- Remaining investment continues to grow
- Ideal for long-term income planning
Who Should Use an SWP?
SWP is suitable for:
- Retired individuals
- Investors seeking passive income
- Those who invested via SIP or lumpsum earlier
- Investors looking for inflation-beating withdrawals
Why Use Our SWP Calculator?
✔ Free & accurate projections
✔ Designed for Indian mutual fund investors
✔ Easy to use, no registration
✔ Mobile-friendly interface
Important Disclaimer
The SWP Calculator provides estimated results based on assumed returns. Mutual fund investments are subject to market risks, and actual outcomes may vary.
Plan Your Retirement Income Smartly
Use our SWP Calculator to plan stable withdrawals while keeping your money invested and growing.