SWP Calculator

Total investment / corpus from which withdrawals will be made.

Amount withdrawn every withdrawal frequency (default monthly).

Optional: increase withdrawal annually by this percent.

Stop simulation early if corpus depletes; otherwise run up to this many years.

Optional: to view withdrawals in real terms (inflation reduces buying power).

About SWP Calculator

SWP Calculator — plan regular withdrawals from your investments for steady income. Ideal for retirees or those looking to generate monthly cash flow from their corpus.

How to use the SWP Calculator

  1. Enter your initial investment amount.
  2. Enter your desired withdrawal amount and frequency (monthly/quarterly/annual).
  3. Provide expected annual return rate and duration.
  4. Click Calculate to estimate corpus longevity and withdrawal impact.

Example

If you invest ₹10 lakhs and withdraw ₹10,000 per month at 8% p.a., your corpus can last for over 15 years — depending on return consistency.

SWP Planning Tips

  • Keep withdrawals below the average expected return for corpus sustainability.
  • Factor in inflation — what covers expenses today may not in 10 years.
  • Reassess your plan annually to adjust to market performance.

FAQs

Is SWP tax-efficient?
Yes — only the capital gains portion of each withdrawal is taxed, making it more efficient than interest income in many cases.
Can I increase or stop SWP anytime?
Yes, most mutual funds allow flexibility to modify or pause your SWP based on your needs.

Use this calculator to balance income and corpus longevity for sustainable post-retirement planning.

Disclaimer

The calculators on A2ZCalculate.com are for informational purposes only. We do not guarantee accuracy and recommend verifying results independently. Consult a professional for personalized advice. A2ZCalculate.com is not responsible for any errors or actions taken based on the information provided.