SWP Calculator
SWP Calculator
Calculate corpus required, monthly income possible, fixed withdrawal and terminal balance.
Corpus Required Calculator
Calculates the investment corpus required at the start of the SWP to support your desired monthly withdrawal over the selected period.
Monthly Income Possible Calculator
Estimates the monthly income that can be withdrawn from your available investment corpus over the selected SWP period.
Fixed Rate Withdrawal Calculator
Calculates the monthly withdrawal based on your selected annual withdrawal rate and estimates the corpus remaining after the SWP period.
Terminal Balance Calculator
Calculates the corpus required to support your desired monthly withdrawals while preserving the selected balance at the end of the SWP period.
Inputs
Outputs
SWP Breakdown
Corpus Projection
FAQs
What is SWP?
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount from their mutual fund investments at regular intervals, such as monthly or quarterly, based on their financial needs and preferences. It provides a structured way to generate periodic cash flow while the remaining investment continues to compound over time.
What is an SWP Calculator and how to use it?
An SWP Calculator helps investors estimate how much regular income can be generated from their corpus through systematic withdrawals. It also helps estimate the longevity of the investment corpus and the remaining balance after withdrawals.
The calculator uses the following parameters to calculate different investment outcomes:
- Investment Corpus – The total amount invested in mutual funds.
- Monthly Withdrawal – The amount to be withdrawn periodically.
- Withdrawal Rate (%) – The percentage withdrawn annually from the corpus.
- Expected Return p.a. – The estimated annual return expected from the investment.
- SWP Period (Years) – The duration for which withdrawals will continue.
- Monthly Income Possible – Estimated periodic withdrawal amount.
- Total Withdrawal – Total amount withdrawn during the SWP period.
- Remaining Corpus Value – Estimated balance corpus after withdrawals.
- Corpus Required – Estimated corpus needed to sustain withdrawals.
What is a safe withdrawal rate?
Lower withdrawal rates generally improve sustainability of the investment corpus. Historically, 8% p.a. is considered a sustainable withdrawal rate.
Will my capital reduce over time?
The investment corpus may reduce or continue growing depending on the portfolio returns and withdrawal amount. Higher returns and lower withdrawals generally help preserve the capital for longer.
