рдирд┐рд╡реЗрд╢
рдПрд╕рдбрдмреНрд▓реНрдпреВрдкреА рдХреИрд▓рдХреБрд▓реЗрдЯрд░
рд╡реНрдпрд╡рд╕реНрдерд┐рдд рдирд┐рдХрд╛рд╕реА рджреАрд░реНрдШрд╛рдпреБ рдФрд░ рдЕрдВрддрд┐рдо рдирд┐рдзрд┐
How to Use the SWP Calculator
A Systematic Withdrawal Plan lets you withdraw a fixed amount regularly from investments while the balance keeps growing.
- Enter your total investment.
- Enter the monthly withdrawal amount.
- Enter the expected return and duration.
- See how long your corpus lasts and the final balance.
SWP Logic
Monthly Balance
Balance = (Balance тИТ Withdrawal) ├Ч (1 + r/12)
Each month a withdrawal is taken, then the remainder grows.
Example:
Input: тВ╣10L, тВ╣10k/mo, 9%
Calculation: iterated monthly
Result: lasts ~13+ years
Real-World Use Cases
Retirement Income
Draw a steady monthly income from a corpus.
Tax Efficiency
SWP can be more tax-efficient than dividends.
Tips
Tips
- If withdrawals exceed returns, the corpus shrinks over time.
- Keep the withdrawal rate sustainable (often ~4тАУ6%/year).
Related Calculators
CAGR CalculatorCompound annual growth rateFD / CD CalculatorFixed deposit/CD maturity value with compoundingLumpsum CalculatorFuture value of one-time investmentRD CalculatorRecurring deposit maturity valueRNOR Status CalculatorEstimate NR, RNOR, or ROR tax residency status using stay-day rulesSIP CalculatorRecurring investment growth with compounding