SWP Calculator — Systematic Withdrawal Plan (Free)

Total Investment Amount

₹

Expected Return Rate (p.a)

Monthly Withdrawal Amount

₹

Withdrawal Period

Your SWP Results

Overview of your withdrawals, interest earned, and balance:

Total Amount Withdrawn

₹

Total Interest Earned

₹

Remaining Balance

₹

SWP Withdrawal Schedule

Year

Total Withdrawn

Interest Earned

Closing Balance

What is an SWP Calculator?

A Systematic Withdrawal Plan (SWP) calculator helps you understand how regular withdrawals affect your investment corpus over time. It factors in the expected returns and shows how your balance evolves as you withdraw funds periodically, allowing you to plan your retirement or post-investment income better.

How does the SWP calculator work?

The calculator uses compound interest formulas to estimate returns on your invested corpus. It deducts monthly withdrawals and computes the interest earned each month to display the remaining balance and interest accumulated throughout the withdrawal period.

Why use an SWP calculator?

Planning withdrawals systematically ensures you do not exhaust your savings prematurely. This calculator helps you simulate withdrawal scenarios, assess sustainability, and optimize withdrawal amounts based on your investment returns.

Frequently Asked Questions

What is an SWP and how is it different from a SIP? ▼

An SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount periodically from your investment corpus. In contrast, a SIP (Systematic Investment Plan) involves investing a fixed amount regularly. SWPs help you plan your income post-investment, while SIPs help accumulate wealth.

Can I withdraw more than the expected monthly withdrawal amount? ▼

You can withdraw more if your balance and returns allow, but withdrawing more than your corpus’s sustainable limit can exhaust your savings early. This calculator shows the impact of fixed withdrawals over time.

What happens if my investment returns are lower than expected? ▼

Lower returns mean your corpus depletes faster, and withdrawals may need adjustment. It’s important to revisit your withdrawal plan periodically to adjust for actual returns.