SWP Calculator
Plan your systematic withdrawals while ensuring your investment corpus lasts. Balance regular income with long-term growth.
SWP Planning
Calculate optimal monthly withdrawal amount while preserving capital
Returns Analysis
Understand how your investments grow while supporting regular withdrawals
Longevity Projection
See how long your corpus will last based on withdrawal rate
Capital Preservation
Balance between regular income and maintaining investment corpus
Calculate SWP
Enter your investment details to plan withdrawals
Analysis Results
SWP Withdrawal Strategy
Final Verdict
Based on your inputs and comprehensive financial analysis
Sustainable Withdrawal Strategy
Your plan is viable for the entire 5 years, maintaining a final corpus of ₹10,00,000
Initial Withdrawal Rate
12.0%per year
Total Withdrawals
₹6,00,000total
Real Final Corpus
₹7,47,258adjusted
Growth Insights
Monthly withdrawal increases by 0% yearly
Expected returns of 12% per year
Key Considerations
Monitor and adjust strategy based on market conditions
Results assume consistent returns and growth rates
Your Investment Journey
A simple breakdown of your money's path
You Invested
₹10,00,000
Initial corpus
Expected return: 12% per year
Returns Generated
₹6,00,000
Total returns over 5 years
Monthly average: ₹10,000
You Withdrew
₹6,00,000
Total withdrawals over 5 years
Started: ₹10,000/month
Ended: ₹10,000/month
Final Position
Money In
₹10,00,000
Money Out (Withdrawals)
₹6,00,000
Corpus Remaining
₹10,00,000
Key Highlights
• You withdrew 60.0x your initial investment
• Your withdrawals grew by 0% each year
• Total value generated: ₹6,00,000
• Strategy is sustainable
Investment vs Withdrawal Summary
Compare your total investment against withdrawals and returns
Initial Investment
₹10,00,000
Corpus invested
₹6,00,000
Total returns earned
Total Withdrawals
₹6,00,000
Over 5 years
60.0x
Times your initial investment
Net Position
₹10,00,000
Final corpus remaining
₹6,00,000
Total value created
Monthly Average
Return Metrics
Monthly Withdrawal Analysis
How your monthly withdrawals grow over time
Initial Period
₹10,000
12.0% annually
Mid Period
₹10,000
12.0% annually
Final Period
₹10,000
12.0% annually
Year by Year Analysis
Detailed breakdown of corpus changes, withdrawals, and returns
| Year | Opening Balance | Returns Earned | Total Withdrawals | Closing Balance | Real Value | Withdrawal Rate |
|---|---|---|---|---|---|---|
| 1 | ₹10,00,000 | ₹1,20,000(12.0%) | ₹1,20,000(₹10,000/mo) | ₹10,00,000 | ₹9,43,396 | 12.0% |
| 2 | ₹10,00,000 | ₹1,20,000(12.0%) | ₹1,20,000(₹10,000/mo) | ₹10,00,000 | ₹8,89,996 | 12.0% |
| 3 | ₹10,00,000 | ₹1,20,000(12.0%) | ₹1,20,000(₹10,000/mo) | ₹10,00,000 | ₹8,39,619 | 12.0% |
| 4 | ₹10,00,000 | ₹1,20,000(12.0%) | ₹1,20,000(₹10,000/mo) | ₹10,00,000 | ₹7,92,094 | 12.0% |
| 5 | ₹10,00,000 | ₹1,20,000(12.0%) | ₹1,20,000(₹10,000/mo) | ₹10,00,000 | ₹7,47,258 | 12.0% |
| Total | - | ₹6,00,000 | ₹6,00,000 | ₹10,00,000 | ₹7,47,258 | - |
• Real Value shows the inflation-adjusted worth of your corpus
• Withdrawal Rate above 8% may not be sustainable long-term
• Returns are calculated at 12% per annum on the opening balance
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) is a financial strategy that allows you to withdraw a fixed amount from your investments at regular intervals. It's particularly useful for:
- Creating a regular income stream from your investments
- Managing retirement withdrawals efficiently
- Balancing between income needs and investment growth
- Maintaining financial discipline in withdrawals
Our SWP calculator helps you plan these withdrawals while considering factors like inflation, expected returns, and your desired withdrawal rate.
Benefits of Using Our SWP Calculator
Accurate Planning
Get precise calculations considering multiple factors like inflation and investment returns
Long-term Sustainability
Understand how long your corpus will last based on your withdrawal strategy
Inflation Protection
Account for rising expenses with inflation-adjusted withdrawal calculations
Comprehensive Analysis
View detailed year-by-year breakdown of your investment journey
Frequently Asked Questions
How does the SWP calculator work?
Our SWP calculator uses your initial investment amount, expected returns, and desired monthly withdrawal to project how long your corpus will last. It factors in inflation and withdrawal growth rate to give you realistic projections.
What is a sustainable withdrawal rate?
A sustainable withdrawal rate is typically 4-6% of your corpus annually. However, this varies based on factors like investment returns, inflation, and time horizon. Our calculator helps you find your optimal rate.
How does inflation affect SWP?
Inflation reduces the purchasing power of your withdrawals over time. Our calculator accounts for this by allowing you to set an annual increase in your withdrawal amount to maintain your lifestyle.
Can I increase my monthly withdrawal amount?
Yes, you can set a withdrawal growth rate in our calculator to automatically increase your monthly withdrawal amount each year, helping you keep pace with rising expenses.
What happens if my corpus depletes?
The calculator will show you the year when your corpus might deplete based on your inputs. This helps you adjust your withdrawal strategy to ensure your money lasts as long as needed.
How do I choose the right expected return rate?
Consider historical returns of your investment type (equity, debt, hybrid) and be conservative in your estimate. For long-term planning, it's better to use lower expected returns to be safe.
Pro Tips for Using the Calculator
Start with a conservative withdrawal rate (4-5%) for long-term sustainability
Consider your investment mix when setting expected returns
Account for inflation by using the withdrawal growth rate feature
Review and adjust your plan periodically based on market conditions
Keep an emergency fund separate from your SWP corpus
Consider tax implications when planning your withdrawals