SWP Calculator
Plan your Systematic Withdrawal Plan to generate regular income from investments
SWP Parameters
💡 Tip: Click value to edit directly. Supports shorthand (5L, 2.5Cr) or exact numbers (725000)
💡 Tip: Click value to edit directly. Supports shorthand (5L, 2.5Cr) or exact numbers (725000)
Final Corpus
Corpus Lasts
Year-wise Growth Projection
What is SWP (Systematic Withdrawal Plan)?
SWP allows you to withdraw a fixed amount from your investments at regular intervals, providing steady income while keeping the remaining corpus invested.
- •Generate regular income from investments
- •Remaining corpus continues to grow
- •Flexible withdrawal amounts and frequency
- •Perfect for retirement planning
SWP Best Practices
- Safe Withdrawal Rate: Limit to 4-6% annually for long-term sustainability
- Diversified Portfolio: Invest in balanced funds for stable returns
- Regular Review: Monitor and adjust withdrawal amounts based on performance
- Emergency Buffer: Keep 6-12 months expenses separate
Frequently Asked Questions
What's the ideal withdrawal rate for SWP?
The safe withdrawal rate is typically 4-6% annually. This means if you have ₹10 lakh, you should ideally withdraw ₹3,500-5,000 per month to ensure long-term sustainability of your corpus.
Can I change my withdrawal amount later?
Yes, most fund houses allow you to modify your SWP amount. You can increase, decrease, or even pause withdrawals based on your changing financial needs. However, check with your fund house for specific terms and conditions.
What happens if my fund performs poorly?
Poor fund performance will reduce your corpus faster. It's important to choose diversified funds with consistent long-term performance and regularly review your SWP strategy. Consider reducing withdrawal amounts during market downturns.