Total Withdrawal ₹0
Profit ₹0
Total Amount ₹0
A Systematic Withdrawal Plan (SWP) allows you to invest a lump sum in a mutual fund and withdraw a fixed amount at regular intervals. It’s like receiving a monthly payout from your own savings while your remaining investment continues to grow.
An SWP calculator helps you see how this process works in real numbers. You simply enter the investment amount, withdrawal frequency, expected return, and time period. The calculator then shows how long your money will last or how much balance you’ll have left at the end. It acts as a financial guide, helping you plan withdrawals smartly and avoid running out of funds.
Many investors on X (formerly Twitter) have praised SWP calculators for being simple yet powerful. One user called it “a stress-free way to manage withdrawals”, while another mentioned it helps easily compare different withdrawal plans.
1. Steady Income with Continued Growth:
You withdraw a fixed sum each month, and the rest of your investment keeps compounding.
Example: If you invest ₹1 lakh at a 10% return and withdraw ₹1,000 monthly, you’ll still retain a solid balance by year-end.
2. Better Financial Planning:
You can clearly see how long your savings will last or decide how much to withdraw without depleting your funds.
3. Easy to Use:
Just enter your basic details — amount, withdrawal, expected return, and period. The tool shows your results instantly.
4. Flexible Testing:
Change withdrawal amounts or expected returns to see how your plan adjusts. This suits both retirees and regular investors who want an extra income stream.
Suppose you invest ₹50,000 in a mutual fund with a 10% annual return and plan to withdraw ₹1,000 per month. The calculator will show your monthly balance, interest earned, and withdrawals step by step.
| Month | Balance (₹) | Withdrawal (₹) | Interest Earned (₹) |
|---|---|---|---|
| 1 | 50,000 | 1,000 | 408 |
| 6 | 46,992 | 1,000 | 383 |
| 12 | 43,214 | 1,000 | 352 |
By the end of 12 months, your total withdrawal would be ₹12,000, with ₹43,214 remaining and ₹4,565 earned in returns. The calculator performs all these steps automatically.
| Option | SWP | Fixed Deposit | Dividend Plan |
|---|---|---|---|
| Income | Fixed, customizable | Fixed, interest-based | Variable, unpredictable |
| Principal | Reduces with withdrawals | Remains intact | Remains intact |
| Growth | Continues to compound | Fixed rate | Depends on market |
| Tax Efficiency | Taxed only on gains | Fully taxed | Dividends taxed |
SWPs offer flexibility and growth together, which makes them ideal for retirees or anyone seeking regular income with investment growth.
The market’s performance directly affects SWP returns. If the market dips or if withdrawals are too high, your balance may fall faster than expected.
However, using calculators from platforms like Groww or SBI Securities lets you test various scenarios and find the right balance between returns and withdrawals.
Tax Advantage: Only the profit portion of your withdrawal is taxed, unlike fixed deposits where the entire interest is taxable.
An SWP calculator helps you manage your money with clarity — whether you’re retired and need monthly income or simply want a second income stream.
By 2025, India’s mutual fund industry is expected to surpass ₹50 lakh crore in assets, and SWPs are increasingly seen as a reliable way to turn savings into steady income.
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