🧮 SWP Calculator – Know How Long Your Investment Will Last
Want monthly income from your investments?
Use this SWP (Systematic Withdrawal Plan) Calculator to find out how long your investment will last when you withdraw a fixed amount every month.
Whether you're planning for retirement, setting up a second income stream, or managing a lump sum—this tool helps you stay smart and stress-free with your money.
🔍 What is an SWP?
An SWP (Systematic Withdrawal Plan) lets you withdraw a fixed amount from your investment every month. It’s the reverse of an SIP. Instead of investing monthly, you're withdrawing monthly—perfect for people who want a steady income without touching the principal too soon.
✅ How to Use This SWP Calculator
Just enter the following:
- Initial Investment – The lump sum amount you have invested (e.g., ₹5,00,000)
- Monthly Withdrawal – How much you plan to withdraw every month (e.g., ₹10,000)
- Expected Annual Return (%) – The estimated returns from your investment (e.g., 7% to 10%)
Click calculate – and the tool will tell you how many months (and years) your money will last.
💡 Example
Let’s say:
- Investment: ₹10,00,000
- Withdrawal: ₹15,000/month
- Return: 8% per annum
👉 Your investment will last for around 8 years and 3 months.
📈 Where is SWP used?
SWP is commonly used with:
- Mutual funds (especially debt or hybrid funds)
- Retirement corpus planning
- Regular cash flow without liquidating assets
- Tax-efficient income planning (less tax than interest from FDs!)
⚠️ Things to Keep in Mind
- Higher withdrawals = shorter duration
- Higher returns = longer sustainability
- Always adjust for inflation
- Markets fluctuate: returns are not guaranteed
🎯 Pro Tip
If you're retired or semi-retired, consider investing in a low-risk debt fund with an SWP to generate monthly income while letting the remaining amount grow.
🙋♂️ Frequently Asked Questions
Q: Is SWP safe?
A: SWP is safer in debt or hybrid funds, but returns are market-linked. Principal is not guaranteed.
Q: Can I change my withdrawal amount later?
Yes, most mutual fund platforms let you modify or stop your SWP anytime.
Q: Is SWP better than FD for monthly income?
It can be—because SWPs are often more tax-efficient than interest from FDs.
🧠 Final Words
Planning income from your investments is just as important as growing it.
This SWP Calculator helps you stay ahead—so you never run out of money when you need it most.