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Simulates **Systematic Withdrawal Plan** with compound growth and inflation-adjusted withdrawals. Shows how long your corpus lasts, final balance, total withdrawn, and sustainability. Uses monthly compounding. Ideal for retirement planning.
A Systematic Withdrawal Plan (SWP) Calculator is a free, online tool that helps investors estimate regular withdrawals from mutual fund investments while projecting the remaining corpus and potential returns. Ideal for retirees, students funding education, or anyone needing steady cash flow, this calculator simplifies complex financial planning in 2025. By inputting your investment amount, withdrawal frequency, and expected returns, you can visualize how long your funds will last, ensuring financial stability without depleting your savings.
Investing wisely is important, but knowing how to withdraw your money smartly is equally crucial. That’s where an SWP Calculator comes in. The Systematic Withdrawal Plan (SWP) Calculator on GCalculate.com helps you estimate the duration, returns, and balance of your mutual fund investments when you make regular withdrawals.
A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed or variable amount from their mutual fund investments at regular intervals (monthly, quarterly, or annually). Unlike a Systematic Investment Plan (SIP), where you invest periodically, an SWP works in reverse, redeeming mutual fund units to generate cash flow. The remaining investment continues to earn returns, balancing income and growth, as explained by Investopedia. The SWP Calculator automates projections using the formula:
Where:
For example, withdrawing $1,000 monthly from a $100,000 investment at 8% annual return for 5 years leaves ~$47,000, per Groww’s methodology.
| Aspect | Manual Calculation | SWP Calculator |
|---|---|---|
| Accuracy | Prone to errors in complex formulas | Error-free, automated calculations |
| Time | Hours for multi-year projections | Instant results in seconds |
| Ease of Use | Requires math expertise | User-friendly, no expertise needed |
| Flexibility | Limited scenario testing | Adjusts tenure, returns, and withdrawals |
| Cost | Free but time-consuming | Free and efficient |
The SWP Calculator is an indispensable tool for investors worldwide seeking to manage mutual fund withdrawals in 2025. By offering accurate, instant projections in $ (USD), it simplifies retirement planning, education funding, or emergency cash flow. With its user-friendly interface, inflation adjustments, and tax-efficient insights, this free calculator outperforms manual methods, ensuring financial discipline and sustainability.
An SWP Calculator helps you estimate how long your mutual fund investments will last when you withdraw a fixed amount regularly, while earning returns.
It calculates the balance and duration of your investment after accounting for periodic withdrawals and compound returns over time.
Yes, SWP is ideal for retirees seeking a steady monthly income while keeping their remaining funds invested for growth.
You can choose any amount, but it should be sustainable based on your investment size, expected returns, and time horizon.
Only the capital gains portion of your withdrawal is taxable — making SWP more tax-efficient than fixed income sources like FD interest.