SWP Calculator
Plan your systematic withdrawals and see how your portfolio will perform over time
Withdrawal Plan Details
Min: ₹1,000•Max: ₹1,00,00,000
Min: 0 Year (Immediately)•Max: 10 Years
Min: 1 Year•Max: 50 Years
Min: 1%•Max: 30%
Payout interval schedule
Min: ₹1,000•Max: ₹10,00,000
Total Investment
Total Withdrawals
Final Value
Portfolio Decline Due to Withdrawals
About SWP Calculator & Frequently Asked Questions
What is the SWP Calculator?
The SWP or Systematic Withdrawal Plan calculator is a finance calculator that assists you in estimating how much you can withdraw periodically from your investments while the remaining balance continues to compound. The SWP tool is commonly used by investors seeking consistent cashflow from mutual funds or retirement portfolios. If you are currently in your accumulation phase and building up your nest egg before withdrawing, start by estimating your savings with our SIP Calculator or model both phases together using our Combined Investment Planner.
Where and Why is it Helping?
- Regular Cash Flow: It assists in planning predictable cash flow in terms of monthly, quarterly, or yearly intervals.
- Continuous Compounding: The remaining capital continues to generate returns even after regular withdrawals are executed.
- Flexibility in Planning: You can adjust the withdrawal frequency and duration to align with living expenses.
- Good for Retirement: It is particularly helpful in planning post-retirement pension-like income. You can calculate the exact target nest egg required beforehand using our Retirement Corpus Calculator.
- Improved Cash Flow Management: It safeguards your capital from sudden lump-sum depletion by enforcing discipline.
How to Use the Calculator
- Enter Total Investment Amount - Enter the initial amount of mutual fund or portfolio capital you have.
- SWP Starts After (Years) - Enter the delay period if you plan to let your money compound before starting withdrawals.
- Time Period (Years) - Enter how many years you wish to continue regular payouts.
- Expected Annual Return (%) - Enter the estimated annualized portfolio return rate.
- Withdrawal Amount - Enter the sum of money you wish to withdraw per payout.
- Withdrawal Frequency - Choose between monthly, quarterly, or annual distribution.
- View Results - Instantly examine total payouts received, ending capital, and complete year-by-year cashflow schedule.
The Formula & Example
- The formula used is: Portfolio Value (per period) = Previous Value * (1 + Return Rate per Period) - Withdrawal Amount.
- This calculation is applied iteratively across each withdrawal cycle to monitor ongoing capital preservation.
- Total Withdrawals = Withdrawal Amount * Number of Periods, provided the portfolio maintains sufficient capital.
- For example, if you invest ₹10,00,000 and withdraw ₹10,000 every month at an expected annual return of 8%, the calculator projects how long your portfolio will last and the residual balance after each payout.
- To see whether your withdrawal rate outpaces inflation over decades, compare your projections with our Inflation Calculator.
About SWP Calculator & Frequently Asked Questions
What is the SWP Calculator?
The SWP or Systematic Withdrawal Plan calculator is a finance calculator that assists you in estimating how much you can withdraw periodically from your investments while the remaining balance continues to compound. The SWP tool is commonly used by investors seeking consistent cashflow from mutual funds or retirement portfolios. If you are currently in your accumulation phase and building up your nest egg before withdrawing, start by estimating your savings with our SIP Calculator or model both phases together using our Combined Investment Planner.
Where and Why is it Helping?
- Regular Cash Flow: It assists in planning predictable cash flow in terms of monthly, quarterly, or yearly intervals.
- Continuous Compounding: The remaining capital continues to generate returns even after regular withdrawals are executed.
- Flexibility in Planning: You can adjust the withdrawal frequency and duration to align with living expenses.
- Good for Retirement: It is particularly helpful in planning post-retirement pension-like income. You can calculate the exact target nest egg required beforehand using our Retirement Corpus Calculator.
- Improved Cash Flow Management: It safeguards your capital from sudden lump-sum depletion by enforcing discipline.
How to Use the Calculator
- Enter Total Investment Amount - Enter the initial amount of mutual fund or portfolio capital you have.
- SWP Starts After (Years) - Enter the delay period if you plan to let your money compound before starting withdrawals.
- Time Period (Years) - Enter how many years you wish to continue regular payouts.
- Expected Annual Return (%) - Enter the estimated annualized portfolio return rate.
- Withdrawal Amount - Enter the sum of money you wish to withdraw per payout.
- Withdrawal Frequency - Choose between monthly, quarterly, or annual distribution.
- View Results - Instantly examine total payouts received, ending capital, and complete year-by-year cashflow schedule.
The Formula & Example
- The formula used is: Portfolio Value (per period) = Previous Value * (1 + Return Rate per Period) - Withdrawal Amount.
- This calculation is applied iteratively across each withdrawal cycle to monitor ongoing capital preservation.
- Total Withdrawals = Withdrawal Amount * Number of Periods, provided the portfolio maintains sufficient capital.
- For example, if you invest ₹10,00,000 and withdraw ₹10,000 every month at an expected annual return of 8%, the calculator projects how long your portfolio will last and the residual balance after each payout.
- To see whether your withdrawal rate outpaces inflation over decades, compare your projections with our Inflation Calculator.