SWP calculator

An SWP calculator (systematic withdrawal plan calculator) is an online tool that helps you calculate the amount that you may withdraw regularly while also viewing the impact on the remaining corpus.

SWP calculator: This is a product available in mutual funds that gives an investor the option to withdraw a fixed amount at periodic intervals (monthly, quarterly, annually) from the amount invested. Unlike a lump sum withdrawal, it simply provides a steady source of income and makes it easier to plan your finances, particularly if you’re retired or need money regularly.

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SWP Calculator Ultimate Pro
Tax Aware Real Value

Portfolio

₹
%
Yrs

Withdrawal

₹
%

Increases your withdrawal amount annually to match lifestyle costs.

Mos

Let corpus grow before starting SWP.

%

Applied on the profit component of withdrawals.

%

Used to calculate the Purchasing Power of final balance.

Plan Prognosis

--

Enter your details and click Analyze.

Total Withdrawn

--

Est. Tax Paid: --

Net In-Hand

--

After tax deduction

Final Balance

--

Real Value: --

Interest Earned

--

ROI: --

Wealth Trajectory

Balance
Real Value

Detailed Schedule

Year Gross Withdrawal Est. Tax Net In-Hand Balance
Analysis pending input

SWP Calculator helps you plan this Withdrawal by projecting:

✅ How long your investment will last at a given withdrawal rate
✅ The remaining balance after a set period
✅ The effect of assumed rate of return on the fund
✅ Total withdrawals over time

How Does an SWP Calculator Work?

The SWP Calculator works on a simple principle:

  1. You enter your initial investment (corpus).
  2. Choose withdrawal amount and frequency (monthly is most common).
  3. Enter the expected annual rate of return (growth rate of the mutual fund).
  4. Select the time over which you want to withdraw.

Benefits of Using an SWP Calculator

  1. Income Planning – Perfect for retirees needing predictable cash flow.
  2. Corpus Preservation – Helps avoid exhausting savings too quickly.
  3. Scenario Testing – Try different return rates, withdrawal amounts.
  4. Tax Planning – SWP withdrawals from equity funds are treated as capital gains and can be tax-efficient compared to interest income.

Features of a Good SWP Calculator

  1. Easy, user-friendly interface
  2. Allows monthly/quarterly/annual withdrawal frequency
  3. Option to set rate of return 
  4. Graphical view of corpus reduction over time
  5. Ability to simulate multiple scenarios.

Who Can Use an SWP Calculator?

  • Retirees planning a pension-like income.
  • Investors want regular cash flow without selling entire holdings at once.
  • Anyone wanting to plan for expenses like children’s education or EMI payments from their investments.
  • Financial advisors help clients set up sustainable withdrawal plans.