SWP Calculator
Plan monthly withdrawals from a one-time investment while tracking how the remaining corpus continues to grow.
Model withdrawal sustainability, estimated balance trajectory, and monthly schedule before starting your SWP.
SWP (Systematic Withdrawal Plan) Calculator
SWP schedule (first 12 months)
| Month | Opening | Interest | Withdrawal | Closing |
|---|---|---|---|---|
| 1 | $500,000 | $3,217 | $10,000 | $493,217 |
| 2 | $493,217 | $3,173 | $10,000 | $486,390 |
| 3 | $486,390 | $3,129 | $10,000 | $479,520 |
| 4 | $479,520 | $3,085 | $10,000 | $472,605 |
| 5 | $472,605 | $3,041 | $10,000 | $465,646 |
| 6 | $465,646 | $2,996 | $10,000 | $458,642 |
| 7 | $458,642 | $2,951 | $10,000 | $451,593 |
| 8 | $451,593 | $2,906 | $10,000 | $444,498 |
| 9 | $444,498 | $2,860 | $10,000 | $437,358 |
| 10 | $437,358 | $2,814 | $10,000 | $430,172 |
| 11 | $430,172 | $2,768 | $10,000 | $422,940 |
| 12 | $422,940 | $2,721 | $10,000 | $415,661 |
- You need predictable monthly cash flow.
- You want the remaining corpus to stay invested.
- You prefer rule-based withdrawals over ad-hoc redemptions.
- Review withdrawal annually instead of monthly.
- Keep emergency cash outside SWP corpus.
- Avoid withdrawing too much in weak markets.
- Real market returns are not constant month-to-month.
- Taxes, fees, and slippage can reduce outcomes.
- Treat this as planning guidance, not a guarantee.
What is SWP?
Under SWP, you invest a lump sum and set a fixed amount to withdraw at regular intervals. After each withdrawal, the remaining balance stays invested and keeps compounding.
How can SWP calculator assist you?
It is hard to manually estimate monthly balance, withdrawn amount, and maturity corpus because each month includes both withdrawal and growth on the remaining amount. This calculator computes those values quickly.
- Estimates total withdrawn amount and final corpus.
- Shows month-by-month withdrawal schedule.
- Useful for retirement income planning and drawdown strategy.
How to use this SWP calculator
- Enter initial investment corpus.
- Enter monthly withdrawal amount.
- Enter annual return and duration.
- Review schedule and final balance.
How SWP can benefit you
- Supports regular income needs with a planned withdrawal amount.
- Helps balance cash flow and long-term compounding.
- Makes withdrawal sustainability visible before investing.
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