SWP (Systematic Withdrawal Plan) Calculator
₹
₹
%
Yr
Total Investment
₹500,000
Total Withdrawal
₹600,000
Final Value
₹0
SWP, or Systematic Withdrawal Plan, allows you to withdraw a fixed amount at regular intervals after investing a lump sum in a mutual fund.
For example, if you invested ₹1 lakh in the HDFC Top 200 Fund for a year and decided to withdraw ₹10,000 each month, your investment will decrease by ₹10,000 every month, but the remaining amount will continue to earn returns.
Use the SWP calculator above to determine how much you can withdraw from your lump sum investment.
How can the SWP calculator help?
With SWP, you invest a sum and withdraw a fixed portion regularly, while the remaining amount continues to generate interest.
Calculating monthly withdrawals and the total amount accumulated can be complicated. IPOtank simplifies this with its SWP calculator, which calculates the maturity amount based on your withdrawals.
Example of SWP
As stated earlier, SWP helps investors generate regular income and a lump sum return at the end of the investment term. Here’s an investment and withdrawal schedule for further clarification.
For example, an individual invests ₹50,000 for 1 year, with a monthly withdrawal of ₹1,000, and an interest rate of 10%.
The total return at the end of the term is ₹4,565.
| Month | Beginning Balance | Withdrawal | Interest Earned |
| 1 | ₹50,000 | ₹1,000 | ₹408 |
| 2 | ₹49,408 | ₹1,000 | ₹403 |
| 3 | ₹48,812 | ₹1,000 | ₹398 |
| 4 | ₹48,210 | ₹1,000 | ₹393 |
| 5 | ₹47,604 | ₹1,000 | ₹388 |
| 6 | ₹46,992 | ₹1,000 | ₹383 |
| 7 | ₹46,375 | ₹1,000 | ₹378 |
| 8 | ₹45,753 | ₹1,000 | ₹373 |
| 9 | ₹45,126 | ₹1,000 | ₹368 |
| 10 | ₹44,494 | ₹1,000 | ₹362 |
| 11 | ₹43,856 | ₹1,000 | ₹357 |
| 12 | ₹43,214 | ₹1,000 | ₹352 |
How to use the SWP calculator?
The calculator is easy to use. Make sure to enter all values correctly for accurate results.
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- There are three fields: tenure, expected return, and amount invested. Fill them according to your investment plan.
- After entering the values, click to calculate and receive a chart of your expected SWP returns.
How can the SWP calculator benefit you?
Retirees and senior citizens are common users of SWP, as they need regular income. An SWP can supplement their pension or serve as an alternative. IPOtank’s Systematic Withdrawal Plan calculator provides numerous advantages.
- It ensures regular monthly returns while generating a return on investment for the total amount.
- You can easily set your monthly withdrawal amount and calculate the maturity value.
- It is accessible online for convenience.
- The calculator is user-friendly and requires no expertise; just input the values and get the output quickly.