SWP Calculator
Calculate monthly withdrawal cash flows and remaining portfolio balance under Systematic Withdrawal Plans.
SWP Calculator – Systematic Withdrawal Plan Calculator
A Systematic Withdrawal Plan (SWP) allows investors to redeem a predetermined fixed sum of money from their accumulated mutual fund portfolio at regular monthly intervals.
SWP is widely recognized by wealth managers as the most tax-efficient retirement cash flow mechanism in India, preserving capital while generating reliable passive monthly income.
What is an SWP Calculator?
An SWP Calculator models monthly capital redemptions against the compounding growth of your residual portfolio balance. It tells you exactly how long your corpus will sustain regular monthly payouts without exhaustion.
Unlike traditional bank annuities or post office monthly income schemes where principal often erodes to inflation, an equity/hybrid SWP allows the remaining balance to generate capital growth, often resulting in a larger terminal balance despite years of withdrawals.
Why Should Retirees Use an SWP Calculator?
How Does an SWP Work Mathematically?
Each month, your portfolio balance undergoes a two-step transformation:
Corpus of ₹50,00,000 withdrawing ₹35,000/month for 15 years at an 9% portfolio yield:
How to Use Golden Bag Capital's SWP Calculator
Enter your initial invested corpus.
Specify your desired monthly withdrawal amount.
Set your expected annual return from the underlying fund (conservative hybrid funds typically yield 8%–10%).
Select your withdrawal duration in years and review the residual corpus graph.
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Need Guidance on Your Portfolios?
Schedule a private 1-on-1 portfolio review with an AMFI registered advisor at Golden Bag Capital Services.