Monthly SWP Calculator
Monthly SWP Calculator: A Smart Way to Plan Your Withdrawals
When it comes to financial planning, most people focus on how to invest—but very few think about how to withdraw smartly. That’s where a Systematic Withdrawal Plan (SWP) comes in.
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An SWP allows you to withdraw a fixed amount from your investment every month (or quarter/year), while the rest of your money continues to grow. This makes it a popular choice for retirees, freelancers, or anyone looking for a steady income from their investments.
To make it easy, we’ve created a Monthly SWP Calculator that helps you find out:
✅ How much you can withdraw monthly
✅ How long your money will last
✅ The impact of returns on your withdrawal strategy
💡 What is an SWP (Systematic Withdrawal Plan)?
An SWP is the reverse of an SIP (Systematic Investment Plan).
- In SIP, you invest regularly to build wealth.
- In SWP, you withdraw regularly from your wealth.
For example, if you have ₹1 crore invested in a mutual fund earning 10% annual returns, you can choose to withdraw a fixed amount every month. The balance will continue to earn returns, making your money last longer.
🔢 How Does the SWP Calculator Work?
The SWP calculator takes into account:
- Initial Investment (Fund Value) – The amount you have invested.
- Expected Rate of Return (%) – The average annual return from your investment.
- Withdrawal Period (Years) – How many years you want to continue withdrawals.
Based on this, it calculates your monthly withdrawal amount while considering compounding returns.
👉 Example:
- Fund: ₹1,00,00,000
- Return: 10%
- Withdrawal Period: 15 years
💰 Monthly Withdrawal = ₹99,601
🎯 Why Should You Use an SWP?
✔ Steady Income Flow – Perfect for retirement planning.
✔ Tax Efficiency – Only capital gains are taxed, not the full withdrawal.
✔ Flexibility – You can increase, decrease, or stop withdrawals anytime.
✔ Wealth Preservation – Money left invested keeps compounding.
📊 Benefits of Our SWP Calculator
- Instant results
- Easy-to-use interface
- Helps you plan retirement cash flow
- Saves you from overspending your corpus
🧮 SWP Formula
The monthly withdrawal is calculated using the Present Value of Annuity Formula: PMT=P×r1−(1+r)−nPMT = \frac{P \times r}{1 - (1 + r)^{-n}}PMT=1−(1+r)−nP×r
Where:
- PMTPMTPMT = Withdrawal amount per month
- PPP = Investment corpus
- rrr = Monthly rate of return (Annual return ÷ 12)
- nnn = Total number of months
✅ Key Takeaways
- SWP is a great way to generate regular income from mutual funds.
- It gives you control over withdrawals while your money continues to grow.
- Use our SWP Calculator before making decisions—it ensures you don’t outlive your money.
🔗 Try our Monthly SWP Calculator now and plan your financial freedom with confidence!
