SWP Calculator
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount every month from your investment. Enter the initial amount, monthly withdrawal, expected return, and tenure. The calculator shows the balance remaining at the end and total interest earned.
SWP income dashboard
Design a systematic withdrawal plan and see how your corpus and monthly payouts behave over time.
SWP details
Result
After tenure
₹ 3,90,180 balance remaining
- Total withdrawn
- ₹ 12,00,000
- Interest earned
- ₹ 5,90,179
💡 Smart Insight
Your corpus sustains throughout the entire tenure of 120 months. The returns are covering your withdrawals, keeping your principal intact. This is a well-balanced withdrawal plan.
SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount every month from your investment. Enter the initial amount, monthly withdrawal, expected return, and tenure. The calculator shows the balance remaining at the end and total interest earned.
Each month we apply the monthly return to the opening balance and then subtract the withdrawal to get the closing balance. If the withdrawal is too high relative to the return, the balance can reach zero before the end of the tenure.
What is SWP?
SWP (Systematic Withdrawal Plan) is when you withdraw a fixed amount at regular intervals from an investment (e.g. mutual fund). It is often used in retirement to get a regular income.
What if my balance reaches zero?
The calculator shows the month when the balance reaches zero (if it does). You may need to lower the withdrawal amount or assume a higher return.
Is the return guaranteed?
No. Actual returns will vary. Use this as an indicative plan.
Smart insights
Contextual notes, tips, and explanations to help you interpret the result.
Smart SWP Insights
High Withdrawal Alert
If withdrawal rate exceeds annual return rate, corpus may deplete quickly.
Safe Withdrawal Rule
Consider 3–4% annual withdrawal for long-term sustainability.
Growth vs Income Balance
Maintaining balance between withdrawal and growth ensures corpus longevity.
Inflation Check
Increase withdrawal gradually to match inflation impact.
Diversification Tip
Diversified funds reduce volatility risk in withdrawal phase.
Trust & transparency
Trust & Transparency
Standard Compound & Withdrawal Formula
This calculator uses compound interest logic combined with systematic withdrawal adjustments.
No Data Storage
Your investment details are processed instantly in your browser. We do not store or share financial data.
Return Disclaimer
Returns are estimated assumptions. Market-linked investments do not guarantee fixed income.
Educational Purpose
This tool is meant for financial planning and estimation purposes only.
Regular Review
Our financial tools are periodically reviewed to ensure accuracy and reliability.