SWP Calculator
SWP Calculation Summary
Your systematic withdrawal plan analysis
0 Years
Corpus Duration
₹0
Total Withdrawal
₹0
Final Corpus
Corpus vs Withdrawal Over Time
Disclaimer: This calculator provides estimates only. Actual SWP returns may vary based on market conditions and fund performance. Withdrawal amounts and corpus duration are not guaranteed. Always consult with a financial advisor for personalized planning.
What is a SWP Calculator?
A SWP (Systematic Withdrawal Plan) calculator is a financial tool that helps you calculate how long your investment corpus will last when you start withdrawing a fixed amount monthly. It's particularly useful for retirement planning and creating a regular income stream from your investments.
How can a SWP calculator help you?
- Plan your retirement income strategy
- Determine sustainable withdrawal rates
- Understand the impact of inflation on your corpus
- Plan for different withdrawal scenarios
- Make informed decisions about retirement timing
How do SWP calculators work?
Our SWP calculator considers:
Monthly Corpus = Previous Month's Corpus × (1 + Monthly Return) - Monthly Withdrawal
Where:
• Monthly Return = Annual Return ÷ 12
• Withdrawal increases with inflation annually
• Corpus depletes when it reaches zero
When to use SWP:
- Retirement Planning: Create regular income from retirement corpus
- Goal-based Withdrawals: Fund specific goals like education or travel
- Emergency Fund: Supplement emergency income needs
- Tax Planning: Optimize tax liability through systematic withdrawals
- Legacy Planning: Plan corpus distribution over time
SWP vs other withdrawal strategies:
- SWP: Fixed monthly amount, predictable income
- Variable Withdrawal: Adjusts based on market performance
- Bucket Strategy: Different time horizons for different needs
- 4% Rule: Withdraw 4% of initial corpus annually
- Lump Sum: One-time large withdrawals as needed
Tips for successful SWP:
- Start with conservative withdrawal rates (3-4% of corpus)
- Consider inflation-adjusted withdrawals for long-term planning
- Maintain a balanced portfolio with growth and income assets
- Regularly review and adjust withdrawal amounts
- Have a backup plan for unexpected expenses