An SWP calculator helps you plan regular withdrawals from a mutual fund investment. It shows how long your money will last and the remaining balance after withdrawals, and it’s used to manage a steady income, like for retirement, while keeping your investment safe.
The SWP Calculator helps users plan regular monthly withdrawals from their mutual fund investments while showing the remaining value of their investment over time. It’s an effective tool for estimating how long the investment will last and the type of steady income that can be expected, making it especially useful for retirement planning.
The Systematic Withdrawal Plan (SWP) Calculator helps estimate regular cash flows from your mutual fund investment. It uses the formula:
FV = PMT × [(1 + r/n)^(nt) – 1] / (r/n)
Where,
Using the SWP Calculator is a very easy and straightforward process
Each month, the interest is calculated on the remaining balance, and the withdrawal is deducted.
Opening Balance: ₹1,20,000
Interest (7% annually / 12 months): ₹700 (approx)
Total before withdrawal: ₹1,20,700
Withdrawal: ₹10,000
Closing Balance: ₹1,10,700
Opening Balance: ₹1,10,700
Interest: ₹645.75 (approx)
Total before withdrawal: ₹1,11,345.75
Withdrawal: ₹10,000
Closing Balance: ₹1,01,345.75
…and so on, until the end of 12 months. Following is a tabular calculation of the same.
Month | Starting Balance | Monthly Withdrawal | Interest Earned | Ending Balance |
1 | 120000 | 10000 | 641.6666667 | 110641.6667 |
2 | 110641.6667 | 10000 | 587.0763889 | 101228.7431 |
3 | 101228.7431 | 10000 | 532.1676678 | 91760.91072 |
4 | 91760.91072 | 10000 | 476.9386459 | 82237.84937 |
5 | 82237.84937 | 10000 | 421.3874547 | 72659.23682 |
6 | 72659.23682 | 10000 | 365.5122148 | 63024.74904 |
7 | 63024.74904 | 10000 | 309.3110361 | 53334.06007 |
8 | 53334.06007 | 10000 | 252.7820171 | 43586.84209 |
9 | 43586.84209 | 10000 | 195.9232455 | 33782.76534 |
10 | 33782.76534 | 10000 | 138.7327978 | 23921.49814 |
11 | 23921.49814 | 10000 | 81.20873912 | 14002.70687 |
12 | 14002.70687 | 10000 | 23.34912343 | 4026.055998 |
The SWP Calculator helps you calculate the SWP mutual fund investment over a tenure:
Below are the benefits of using the SWP calculator:
The SWP Calculator offers clear insights into monthly withdrawal schedules and investment growth. It helps you plan your investment with confidence and clarity. By managing recurring financial needs, this calculator ensures your money aligns with your goals, bringing structure, stability, and peace of mind to your financial journey.