SWP Calculator

SWP Calculator shows the total value of the mutual fund investment after the withdrawal.

Future Value: ₹0
Total Withdrawal: ₹0
Total Investment: ₹10 Lac
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What is a SWP Calculator?

A Systematic Withdrawal Plan (SWP) Calculator is a financial tool that helps investors plan and calculate their regular withdrawals from mutual fund investments. It helps you understand how much you can withdraw periodically while maintaining your investment corpus and accounting for market fluctuations.

SWP calculators are particularly useful for retirees or individuals who need regular income from their investments while preserving their capital. They provide insights into sustainable withdrawal rates and help in long-term financial planning.

How to Use SWP Calculator?

Using our SWP calculator is simple and involves three main steps:

  1. Enter Your Investment Details: Input your total investment amount, expected rate of return, and the withdrawal frequency (monthly/quarterly).
  2. Specify Withdrawal Amount: Enter how much you want to withdraw periodically from your investment.
  3. View Results: The calculator will show you the projected value of your investment over time, including the remaining corpus and total withdrawals.

The calculator helps you understand the sustainability of your withdrawal plan and make informed decisions about your investment strategy.

Example of Systematic Withdrawal Plan

Let's consider an example to understand how SWP works:

If you invest ₹10,00,000 in a mutual fund with an expected annual return of 12% and decide to withdraw ₹5,000 monthly:

  • Monthly withdrawal: ₹5,000
  • Annual withdrawal: ₹60,000
  • Expected annual return: 12%
  • Investment period: 20 years

The SWP calculator will show you how your investment grows over time, accounting for both the withdrawals and the returns on the remaining corpus.

How Can a SWP Calculator Benefit You?

Using a SWP calculator offers several advantages:

  • Financial Planning: Helps you plan your retirement or regular income needs more effectively.
  • Risk Management: Allows you to test different withdrawal scenarios and understand their impact on your corpus.
  • Tax Efficiency: Helps in planning tax-efficient withdrawals by showing the long-term impact of different withdrawal strategies.
  • Goal Achievement: Ensures your investment strategy aligns with your financial goals while maintaining a sustainable withdrawal rate.

By using our SWP calculator, you can make informed decisions about your investment withdrawals and ensure your financial security in the long run.