💰 Financial
SWP Calculator
Calculate your Systematic Withdrawal Plan (SWP) schedule and remaining balance. Provide your total investment, withdrawal amount, expected return rate, and duration to see how long your funds will last.
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Formula
Balance = Initial Corpus + Interest - WithdrawalsInitial Corpus- Total investment amount
Withdrawals- Fixed amount withdrawn periodically
Interest- Growth on the remaining balance
Example
SWP Projection
Withdrawing ₹10,000 monthly from a ₹1,000,000 corpus at 8% expected annual return for 5 years.
- Initial Corpus = 1,000,000
- Monthly Withdrawal = 10,000
- Monthly rate = 8% / 12 = 0.6667%
- Month 1 Interest = 1,000,000 × 0.006667 = 6,666.67
- Month 1 Balance = 1,000,000 + 6,666.67 - 10,000 = 996,666.67
- Process repeats for 60 months.
Frequently Asked Questions
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount regularly from your investment corpus, providing a steady income stream.
If your monthly withdrawal is greater than the monthly interest earned, your principal corpus will begin to deplete and may eventually reach zero.