What is the SWP Calculator?

The Systematic Withdrawal Plan (SWP) Calculator helps you calculate how much money you can withdraw regularly (monthly, quarterly, etc.) from your mutual fund investment while showing how long your money will last and how much balance remains. It’s useful for planning retirement income, monthly expenses, or passive income.

Why and When Should You Use It?

When you want regular income from your mutual fund investments.
To plan retirement cash flow or monthly expenses.
To see how long your investment will last if you withdraw a fixed amount every month.
Helps in understanding the impact of withdrawal and returns on your remaining balance.

SWP is ideal for retirees, senior citizens, and anyone looking for stable income from their investments.

How to Use the Calculator (Step-by-Step):

Enter your total investment amount.
Enter the monthly withdrawal amount you want.
Add the expected annual return rate (in %).
Choose the time period (number of months/years).
Click “Calculate”.

The tool will show:

How much you’ll get every month.
How long your money will last.
Ending balance after withdrawals.

Extra Tips & Insights:

Choose a realistic return rate based on mutual fund type (debt or equity).
Don’t withdraw too much too fast – it can deplete your investment quickly.
Recheck your plan yearly to adjust according to market conditions.
SWP is tax-efficient for long-term capital gains, especially in equity funds.