Free SWP Calculator: Systematic Withdrawal Plan Calculator

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) is an investment strategy where you regularly withdraw fixed amounts from your investment corpus. It helps create a steady income stream from your investments while keeping the remaining corpus invested for potential growth.

SWPs are particularly popular among retirees who need regular income from their retirement savings while ensuring the corpus lasts for their lifetime. They can also be used for specific financial goals that require periodic withdrawals.

For example, if you have 8,000 units in a mutual fund scheme and specify a withdrawal of ₹5,000 every month, the fund house will redeem the equivalent number of units based on the current NAV and give you the specified amount. The remaining units continue to stay invested and potentially generate returns.

This calculator helps you understand how long your investment corpus will last based on your monthly withdrawal amount, expected returns, and initial investment. It provides a year-by-year projection of your remaining balance.