💸SWP Calculator – Systematic Withdrawal Plan
Examples
Example: SWP Calculation
Input: Total Investment: ₹50,000, Withdrawal per month: ₹1,000, Expected return: 10% p.a., Time period: 1 year
Output: Total withdrawal: ₹12,000, Final value: ₹42,565
By withdrawing ₹1,000 each month over 12 months, you receive ₹12,000 in total. The unwithdrawn portion continues to earn returns, resulting in a final value of ₹42,565.
Frequently Asked Questions
What is SWP?
Systematic Withdrawal Plan lets you take fixed amounts from a mutual fund investment on a schedule (e.g. monthly).
Will my money run out?
If withdrawals plus poor returns exceed growth, balance falls. The calculator shows projected remaining value.
SWP vs dividend?
SWP sells units for cash; dividends are paid from fund profits—tax and mechanics differ by region and fund.
What return should I assume?
Use a conservative long-term estimate; actual fund returns vary every year.
How to Use the SWP Calculator
The SWP Calculator lets you plan and visualize the impact of regular withdrawals from your mutual fund investment. Just input your total investment, the monthly withdrawal amount, expected annual return, and investment duration. Our tool will compute your total withdrawals and the remaining balance at the end of the selected period.
Building wealth with monthly investments instead? Use our SIP calculator.
Examples
Example: SWP Calculation
Input: Total Investment: ₹50,000, Withdrawal per month: ₹1,000, Expected return: 10% p.a., Time period: 1 year
Output: Total withdrawal: ₹12,000, Final value: ₹42,565
By withdrawing ₹1,000 each month over 12 months, you receive ₹12,000 in total. The unwithdrawn portion continues to earn returns, resulting in a final value of ₹42,565.
Frequently Asked Questions
What is SWP?
Systematic Withdrawal Plan lets you take fixed amounts from a mutual fund investment on a schedule (e.g. monthly).
Will my money run out?
If withdrawals plus poor returns exceed growth, balance falls. The calculator shows projected remaining value.
SWP vs dividend?
SWP sells units for cash; dividends are paid from fund profits—tax and mechanics differ by region and fund.
What return should I assume?
Use a conservative long-term estimate; actual fund returns vary every year.