SWP Calculator
Calculate monthly cash payouts, remaining corpus value, and capital longevity for Systematic Withdrawal Plans (SWP). Free, private, and instant in your browser.
Loading tool interface...
How to use SWP Calculator
- 1
Enter your initial investment, expected return rate, and duration.
- 2
Input your desired monthly withdrawal amount and optional annual step-up rate.
- 3
Analyze the yearly and monthly cash flow breakdowns, longevity alerts, and growth charts.
Capabilities
- Simulates SWP cash flows month-by-month
- Calculates portfolio depletion year and month precisely
- Supports annual withdrawal inflation step-ups
- Interactive SVG cash flow line charts
How Systematic Withdrawal Plans (SWP) Generate Regular Cash Flow
Transitioning from wealth accumulation to wealth distribution requires a predictable cash flow strategy. A Systematic Withdrawal Plan (SWP) enables retirees and investors to draw monthly income from mutual funds while keeping the remaining principal invested to compound.
SWP projections assume a constant annual return. In real markets, negative returns in early retirement years (sequence-of-returns risk) can accelerate corpus depletion. Maintain a prudent withdrawal rate.
Deducts withdrawals at the start of each month, simulating actual mutual fund redemption mechanics and payout schedules.
Instantly warns you if withdrawals exceed growth, pinpointing the exact calendar month and year when funds run out.
Worked SWP Longevity Example
Suppose you invest a ₹50,00,000 corpus at 8% annual return and withdraw ₹35,000/month for 15 years:
Total Withdrawn over 15 Years: ₹63,00,000 (exceeds your starting capital!)
Total Growth Earned: ₹54,58,260
Remaining Corpus Balance: ₹41,58,260
Because the 8.4% withdrawal rate was supported by 8% compounding, the corpus remains healthy and self-sustaining.
For systematic wealth accumulation and rupee-cost averaging, use SIP Calculator.
This tool operates in a sandbox directly inside your web browser. All parsing, processing, and downloads are rendered locally. Your file size, metadata, and contents never cross the network. It works completely offline.
Frequently Asked Questions
What is a Systematic Withdrawal Plan (SWP)?
A Systematic Withdrawal Plan (SWP) is a mutual fund facility that allows investors to withdraw a fixed sum of money at regular monthly intervals from their existing fund corpus, generating predictable periodic cash flow.
When are withdrawals deducted during the month?
WebTorq models withdrawals occurring at the beginning of each monthly period, with the remaining capital balance continuing to compound at your expected annual return rate.
Can an SWP run out of money?
Yes. If your monthly withdrawal rate plus inflation step-ups exceed the growth rate of your underlying portfolio, capital will deplete over time. The calculator flags capital depletion and identifies the exact year and month of exhaustion.
What is an Annual Withdrawal Step-Up?
An Annual Step-Up increases your monthly withdrawal amount annually (e.g., by 5%) to account for living cost inflation during retirement.
Are my withdrawal schedules private?
Yes. All SWP longevity calculations execute locally in your browser memory; your capital balances and cash flow plans are not sent to WebTorq for processing.