SWP Calculator
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About Free SWP Calculator
SWP i.e. Systematic Withdrawal Plan is a way through which you can earn regular income from your investments, without touching the principal amount. Meaning, you will keep getting money every month or quarter, and your investment will also remain safe. With the help of a free SWP calculator, you can calculate how much money you can withdraw every month as per your convenience, that too without the fear that the investment may end soon.
Key Features of a Free SWP Calculator
- Flexible withdrawal options – You can withdraw money as per your preference such as monthly, quarterly, half-yearly or yearly.
- Inflation adjustment – Automatic adjustments are made to maintain the value of your income as prices rise.
- Expected return input – Set returns according to whether your investment style is conservative or aggressive.
- Detailed yearly breakdown – Shows the opening balance, withdrawals, returns and closing balance for each year.
- Visual charts – Graphs help you see how your corpus is growing and how much is being withdrawn.
- Depletion warning – You will get an alert if withdrawals are too high and you are at risk of depleting your corpus.
This way, you can manage your money smartly without any tension!
Importance of an SWP Calculator
- For Retirement Planning: It ensures that you will not run out of money even after retirement.
- Helps in providing regular income: Investments create a steady cash flow, which ensures that you get money every month.
- Good for saving taxes: Taking SWP from mutual funds can be tax-efficient as compared to fixed deposits.
- Helps in adjusting inflation: It helps in maintaining purchasing power by adjusting withdrawals according to inflation.
- Provides risk management: It prevents the depletion of savings before too much money is withdrawn.
In simple language, SWP calculator helps you in taking financially smart decisions!
How to Use the SWP Calculator
- Enter the investment amount – the lump sum amount you have invested.
- Set the withdrawal amount – how much you want to withdraw each time.
- Select the tenure – for how many years you are planning to withdraw the money.
- Enter the expected return (%) – the annual return you will get on your investment.
- View inflation effect (optional) – to understand the withdrawal in real value.
- Select the withdrawal frequency – monthly, quarterly, half-yearly or yearly.
- Press “Calculate” – instantly know how long your money will last and how much will be left at the end.
Why Should You Use an SWP Calculator?
- Avoid cash shortages – This ensures that you don’t run out of funds faster than you can withdraw.
- Withdraw smartly – This helps you balance income and investment growth according to your needs.
- Better retirement planning – This helps you estimate how long your savings will last.
- Test different options – Consider different withdrawal rates and returns to see what works best.
- Tax savings – Withdrawals from SWPs from equity funds attract lower taxes than fixed income.
Frequently Asked Questions
A common rule is the “4% rule” — withdraw 4% from your portfolio every year. But the actual rate depends on market returns and inflation.
Yes! Some calculators have an option to increase withdrawals with inflation so that your purchasing power doesn’t decrease.
Yes, because:
- Better returns (especially in equity funds).
- Tax benefits (FD interest is taxed as income, while SWP has lower LTCG tax).
- Flexibility — you can change the withdrawal amount whenever you want.
The corpus can get exhausted quickly. So make conservative estimates and keep reviewing from time to time.
Yes! In most mutual funds, you can stop, increase or decrease SWP whenever you want.