SWP Projection
Use this SWP Calculator to estimate how long your investment will last and what remains at the end of your withdrawal period. Enter your total investment, monthly withdrawal, expected annual return, withdrawal years and any annual increase in withdrawal. The tool shows total withdrawn, interest earned, final value and whether the corpus lasts the full tenure.
What is an SWP?
An SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from an investment at regular intervals, usually monthly. It is common with mutual funds and retirement portfolios. SWP helps convert a lump sum into steady income while keeping the remaining amount invested to earn returns.
Why use this SWP Calculator?
- Test sustainability: Check if your corpus can support monthly withdrawals for the chosen period.
- Plan cash flow: Know how much you will receive in total and how much interest you earn.
- Compare scenarios: Try different withdrawal amounts, returns, or annual increases to find a safe plan.
- Quick and free: No spreadsheets — get instant results to guide decisions.
How the calculator works
The tool projects monthly withdrawals and monthly returns. If you choose an annual increase, each year the monthly withdrawal rises by that percent. The calculator deducts each month’s withdrawal and applies monthly growth on the remaining balance. It totals all withdrawals, interest earned, and the final portfolio value at the end of the period. This gives a realistic picture of sustainability.
How to use the SWP Calculator
- Enter your Total Investment (corpus).
- Enter the Monthly Withdrawal amount you want to take out.
- Set the Expected Annual Return (%) on the investment.
- Choose the Withdrawal Period in years.
- Optionally enable and set Annual Increase (%) for withdrawals to keep up with inflation.
- Click calculate to see a summary: final value, total withdrawn, and interest earned.
Example (based on your inputs)
- Total Investment: ₹100,000
- Monthly Withdrawal: ₹1,000
- Expected Annual Return: 15%
- Withdrawal Period: 5 years
- Annual Increase in Withdrawal: 5% (enabled)
Projection results:
- Final Value of Investment: ₹1,14,237
- Total Withdrawn: ₹66,308
- Total Interest Earned: ₹80,545
- Outcome: Your investment will last for the entire tenure.
Who should use this tool?
- Retirees planning monthly income from mutual funds or SIP corpus.
- Investors testing how much they can safely withdraw each month.
- Financial planners building cash-flow plans for clients.
- Anyone converting a lump sum into regular withdrawals.
Quick tips
- Higher expected returns reduce the pressure on your corpus. But use conservative estimates.
- Keep annual withdrawal increases close to expected inflation to maintain real income.
- Run multiple scenarios: lower returns, higher withdrawals, and different tenures.
- Consider keeping a safety buffer for market downturns.
Try it now
Enter your figures in the SWP Calculator to see instant, realistic projections. Use the results to set a monthly withdrawal that matches your goals and keeps your investment safe.
Frequently Asked Questions (FAQ)
What is the difference between SWP and SIP?
SIP (Systematic Investment Plan) is a method to invest fixed amounts regularly. SWP withdraws fixed amounts from an existing corpus. SIP builds wealth; SWP creates regular income from a corpus.
Can I increase withdrawals each year?
Yes. The calculator supports an annual increase percentage. Increasing withdrawals helps maintain purchasing power but reduces the corpus faster.
What return should I assume?
Choose a reasonable long-term return based on your asset mix. For equity-heavy portfolios, higher returns are possible but come with higher volatility. For conservative planning, use lower estimates.
Is this calculator free to use?
Yes. This SWP Calculator is free to use and provides estimates to help with planning. For personalised financial advice, consult a certified planner.