Systematic Withdrawal Plan (SWP) Calculator
Calculate monthly cash withdrawals from a mutual fund lump sum, and estimate the remaining capital balance over time.
SWP Cash Flow Summary
Analyze how your retirement withdrawals affect your overall capital balance:
Starting Corpus
The initial lump sum mutual fund or capital balance before withdrawals begin.
Total Withdrawn
The total income you withdraw over the plan duration.
Remaining Balance
The final value of your mutual fund corpus at the end of the tenure.
How is it calculated?
Bal_{new} = (Bal_{prev} - W) \times (1 + r_{monthly})Where Bal is balance, W is monthly withdrawal amount, and r_monthly is the monthly return rate. This is compounded monthly.
Worked Examples
₹20 Lakh Capital with ₹15,000 Monthly SWP
Starting with ₹2,000,000 at a 10% annual return and withdrawing ₹15,000 monthly, after 10 years you will have withdrawn ₹1,800,000 and still have a remaining fund balance of ₹2,234,510!
Inflation-Adjusted Withdrawals
For a sustainable withdrawal plan, ensure your annual withdrawal rate does not exceed 4% to 6% of the initial capital.
Frequently Asked Questions
Is SWP useful for retirement planning?
How is SWP taxed?
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Results are estimates and should not be considered financial advice.