SWP Calculator – Systematic Withdrawals

An SWP (Systematic Withdrawal Plan) Calculator helps you plan periodic withdrawals from your invested corpus while considering expected returns. It projects how long your fund lasts and the total amount withdrawn.

Each period (monthly) the fund grows by expected returns and then a fixed withdrawal is made. The calculator simulates this cycle over the chosen tenure to compute remaining fund value and total withdrawn.

SWP is useful for generating regular income from investments (e.g., retirees). This calculator helps determine sustainable withdrawal amounts and estimate corpus longevity.

Yes — if withdrawals exceed fund growth, the remaining value can go negative in the model. This indicates withdrawals are unsustainable at that rate.

Initial corpus, withdrawal amount, expected returns and tenure determine total withdrawals and final balance. Market volatility will affect actual outcomes.

No — SWP provides a mechanism for withdrawals; actual sustainability depends on investment performance and withdrawal size.

Withdrawals are not guaranteed — sustainability depends on investment performance and withdrawal amount. The calculator gives a projection only.

Yes — if withdrawals are too large relative to returns, the fund balance may deplete or go negative in the model, signalling unsustainable withdrawals.

That depends on your needs. Use the calculator to simulate both approaches; consult a financial advisor for personalised guidance.

No — this is a planning tool and not investment advice. For tailored advice, consult a certified financial planner or Finranite representatives.

Most platforms allow you to modify or pause SWPs. Check with your fund house or distributor for flexibility options.

Tax rules depend on the type of fund and holding period. Please consult a tax advisor to understand tax implications on withdrawals.