Systematic Withdrawal Plan (SWP) Calculator

A Systematic Withdrawal Plan (SWP) is a method that allows investors to withdraw a fixed amount of money periodically—monthly, quarterly, or annually—from their mutual fund investments. This strategy is especially popular among retirees, as it offers:

• Regular payouts to manage living expenses
• Tax-efficient withdrawals
• The flexibility to manage cash flow according to lifestyle needs

Using a systematic withdrawal plan calculator like ours can help you analyze the sustainability of your withdrawals and make informed decisions.

Our SWP calculator is designed for ease of use and smart financial planning. Simply input:

• Total invested amount
• Expected annual return from the mutual fund (e.g. 8% – 12%)
• Monthly withdrawal amount
• Investment duration
• Inflation rate (for more accurate, inflation-adjusted projections)

This SWP calculator with inflation gives you detailed results including:

• Total amount withdrawn over the selected tenure
• Remaining corpus at the end of the period
• Total returns generated
• Capital erosion (if any)

This is one of the best SWP calculators online for understanding how long your mutual fund investment will last based on your withdrawal strategy and real-world inflation impact.

Systematic Withdrawal Plans are ideal for:

• Retirement planning
• Generating a predictable monthly income from mutual funds
• Minimizing capital gains tax via structured withdrawals
• Providing flexibility in managing your cash flow

A SIP and SWP calculator combination can help you plan the accumulation (via SIP) and distribution (via SWP) phases of your investment journey.

Planning withdrawals without factoring in inflation may lead to underestimating your future financial needs. That's why our SWP calculator with inflation gives a more realistic projection of how far your money can stretch. Adjusting for inflation ensures that your purchasing power is preserved throughout your retirement years.

To use the systematic withdrawal plan calculator, enter:

• Lump sum amount invested in mutual funds
• Annual rate of return (expected)
• Duration of withdrawal (Years)
• Tax on withdrawal
• Expected inflation rate

Results displayed:

• Remaining corpus after final withdrawal
• Total withdrawals made
• Interest earned and capital appreciation
• Whether your plan is sustainable based on the given values

• Choose debt or hybrid mutual funds for more predictable returns
• Begin with a conservative withdrawal rate (e.g., 4% to 5%)
• Reinvest excess earnings to maintain capital
• Combine SIP and SWP for seamless investing and withdrawals

Using a SIP Calculator and SWP calculator together allows you to plan both accumulation and income generation with clarity.

Imagine investing ₹10 lakhs in a mutual fund with an expected return of 10% per annum. You plan to withdraw ₹60,000 every month for 25 years. Using this systematic withdrawal plan calculator, you'll discover:

• Total withdrawal: ₹13.20 lakhs
• Remaining balance after 25 years: 65.50 lakhs

This helps you plan with confidence and clarity, especially if you're relying on SWP for post- retirement expenses.

Our SWP calculator is an essential tool for investors seeking steady income from mutual funds . Whether you're planning retirement or need passive income, this tool lets you optimize your withdrawal strategy with inflation-adjusted accuracy.

Disclaimer - This systematic withdrawal plan calculator provides estimates based on user inputs and expected returns. Actual mutual fund performance may vary. Please consult a certified financial advisor before starting an SWP. Ventura shall not be liable for any financial outcome resulting from the use of this calculator.