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SWP Calculator

Plan your systematic withdrawal strategy and see how long your investment will last

SWP Calculator

one million dollars

Enter total investment amount between ₹1,000 and ₹10,00,00,000

ten thousand dollars

Enter monthly withdrawal amount, should be reasonable compared to total investment
Enter expected annual return rate between 0% and 50%

till Jul 2035

Enter withdrawal period between 1 and 600 months
Enter expected annual inflation rate between 0% and 25% (optional)
No extra withdrawals added. Click "Add Extra Withdrawal" to add one-time withdrawals in specific years.
Click to calculate SWP results based on the entered values. All required fields must be filled with valid values.

• Total investment: ₹1,000 - ₹10,00,00,000

• Monthly withdrawal: ₹100 - ₹1,00,00,000

• Expected return: 0% - 50% per annum

• Time period: 1 - 600 months (50 years)

• Inflation rate: 0% - 25% per annum (optional)

Ready to Calculate

Enter your investment details and withdrawal plan to see how long your money will last and what will remain.

💡 SWP Tips

  • ✓Follow the 4% withdrawal rule for sustainability
  • ✓Keep emergency funds separate from SWP corpus
  • ✓Review and adjust withdrawal rates annually
  • ✓Consider market conditions when planning

📚Understanding Systematic Withdrawal Plans

What is SWP?

Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your mutual fund investments at regular intervals.

It's the opposite of SIP - instead of investing regularly, you're withdrawing regularly while your remaining investment continues to grow.

💡 Perfect for: Retirement planning and creating regular income streams

How SWP Works

Your investment continues to earn returns while you withdraw a fixed amount monthly. The sustainability depends on:

  • Initial corpus size
  • Monthly withdrawal amount
  • Expected rate of return
  • Market performance

Our calculator shows exactly how long your investment will last under different scenarios.

The 4% Rule

A commonly used guideline suggests withdrawing no more than 4% of your corpus annually to make your money last 25-30 years.

Example:

₹1 crore corpus → Maximum ₹4 lakh annual withdrawal (₹33,333/month)

This rule assumes average market returns and inflation. Adjust based on your specific situation.

SWP Strategies

  • Conservative: Lower withdrawal rate for longer sustainability
  • Flexible: Adjust withdrawal based on market performance
  • Bucket Strategy: Separate funds for different time horizons
  • Hybrid: Combine with other income sources

⚠️ Important: Have backup plans if returns are lower than expected

❓Frequently Asked Questions

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