Can I choose the withdrawal amount or is it fixed?

No, you can set the monthly withdrawal sum based on your needs. You simply need to select between an annually fixed sum or withdrawals on a quarterly basis.

According to specialists, SWP is most effective during retirement since it provides essential income for individuals.

Can individuals who are not retirees invest in an SWP?

Certainly, SWP investments are not exclusively restricted to retirees or the elderly.

Is SWP a good option?

With a well-devised approach, SWPs can pave the way for a tax-efficient and financially stable retirement. SWP enables investors to withdraw a fixed amount from their mutual fund investments on a regular basis, offering a reliable source of income. This calculator can work as a swp calculator with inflation or swp mutual fund calculator to aid in your swp planning.

What are disadvantages of a SWP?

Depending on the investor's capacity to accurately predict market timing poses a possible downside to SWP. If market conditions are unfavorable during withdrawals, units could be sold at a lower price, impacting the overall returns.

SWP Calculator

Tailor your Systematic Withdrawal Plan (SWP) to redeem your investment strategically.

total investment (₹)

withdrawal per month (₹)

annual Rate of Return (%)

time period (yrs)

residual value

₹0

total interest earned

₹0

total withdrawal

₹6,00,000

Why invest?Other calculators Understanding SWP Calculator Related articles FAQs

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Understanding SWP Calculator

What is a SWP?

What is the SWP Calculator?

How does the SWP Calculator work?

How Stack Wealth can help you with your SWP?

Advantages of having a systematic withdrawl plan

What is a SWP?

SWP, or Systematic Withdrawal Plan, is a service provided by mutual funds, enabling investors to withdraw a consistent amount periodically from their mutual fund investments. This option is particularly beneficial for individuals seeking a stable income stream while retaining their initial investment in the fund.

What is the SWP Calculator?

An Systematic Withdrawl Plan (SWP) Calculator is a digital tool designed to aid investors in computing the precise amount they can withdraw regularly through a Systematic Withdrawal Plan. By considering factors like the initial investment, anticipated rate of return, withdrawal frequency, and investment duration, the calculator estimates the amount that can be withdrawn at scheduled intervals.

How does the SWP Calculator work?

The SWP Calculator illustrates the regular cash inflows generated by the systematic withdrawal plan. It utilizes a mathematical equation: A = PMT ((1+r/n)^nt – 1) / (r/n)) where A represents the Future Value of the Investment, PMT is the payment amount per period, n indicates the number of compounds in a period, and t represents the number of periods the money is invested.

To illustrate, consider an initial investment of Rs 1,20,000 in a mutual fund scheme. If you redeem an SWP amount of Rs 10,000 monthly over a 12-month withdrawal period, with an expected annual return of 7%, the calculator tracks the monthly balance, redemption amounts, accrued interest, and end-of-month balance.

How Stack Wealth can help you with your SWP?

Utilize Stack's best SWP Calculator to compute your monthly income from mutual fund investments using the Systematic Withdrawal Plan. Experiment with various withdrawal amounts and determine the maturity sum. This tool assists in finding the optimal monthly withdrawals from your mutual fund scheme. It also helps you determine the SWP surplus, which you may invest in other financial instruments.