SWP (Systematic Withdrawal Plan) Calculator

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount of money from a mutual fund at regular intervals—usually monthly—after making a lump sum investment. While you receive these regular payouts, the remaining amount stays invested and continues to earn returns.

Example:
Suppose you invest ₹1,00,000 in the HDFC Top 200 Fund for one year and decide to withdraw ₹10,000 every month. Each month, your investment reduces by ₹10,000, and the balance continues to earn returns based on market performance.

Note: Assumptions in Calculation

This SWP calculator assumes monthly compounding interest with interest applied before withdrawal each month. Actual results may vary slightly based on your mutual fund provider’s compounding frequency, NAV performance, and taxation. Always consult your financial advisor before making investment decisions.

How Can an SWP Calculator Help?

An SWP calculator simplifies the process of estimating how much you can withdraw from your investment each month, how long your funds will last, and what returns you might expect. Instead of manually calculating the changing investment value each month, you can use tools like Groww’s SWP calculator for quick and accurate results.

Total returns at the end of 1 year: ₹4,565

How to Use an SWP Calculator

Using an SWP calculator is simple:

1. Enter the investment amount (lump sum).
2. Select the tenure (in months or years).
3. Input the expected annual rate of return.
4. Choose the monthly withdrawal amount.

Once entered, the calculator will generate a detailed schedule, similar to the table above, showing your balance and interest earnings over time.

Benefits of an SWP Calculator

• Ideal for retirees and senior citizens needing fixed monthly income.
• Helps in planning cash flow with predictable monthly payouts.
• Continued growth of the remaining investment through compounding.
• Easy to use—no technical or financial expertise required.
• Accessible online, anytime, from anywhere.