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SWP-kalkylator.
Systematiskt uttag livslÀngd och slutkapital
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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 â Withdrawal) Ă (1 + r/12)
Each month a withdrawal is taken, then the remainder grows.
Example:
Input: âč10L, âč10k/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 ~4â6%/year).
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