SWP Calculator (Systematic Withdrawal Plan)
Calculate the final value of your investment after regular systematic withdrawals and see how long your money will last.
How Does the SWP Calculator Help You?
A Systematic Withdrawal Plan is perfect for retirees or anyone needing a regular monthly income from their accumulated corpus. Our SWP Calculator estimates your remaining balance over time to ensure you don't deplete your funds too quickly.
How to Use
- Initial Investment: Enter the total amount you currently have invested.
- Monthly Withdrawal: The fixed amount you plan to withdraw every month.
- Expected Return: The realistic annual rate your remaining investment will earn.
- Duration: The number of months you wish to withdraw this income.
How SWP Mathematically Works
In an SWP, two things happen simultaneously every month:
Balance = (Previous Balance + Monthly Interest) - Withdrawal
- Capital Appreciation: Your remaining corpus continues to compound.
- Depletion: Your monthly extraction slightly lowers the base for next month's compounding.
- Tax Efficiency: You only pay capital gains tax on the profit portion of your withdrawal.
Why Choose SWP for Regular Income?
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Predictable Cash FlowSet up a fixed "salary" for yourself directly from your investments.đą
Continued GrowthUnlike bank FDs, your unwithdrawn money stays invested in mutual funds yielding returns.đĄī¸
Beat InflationMarket-linked returns from the remaining corpus help protect your overall purchasing power.