Systematic Withdrawal Plan (SWP) Calculator
Plan your retirement income by calculating how long your investment corpus will last with regular withdrawals. Adjust parameters to see different scenarios and make informed decisions for your financial future.
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Total amount you can withdraw over 25 years
Understanding Systematic Withdrawal Plans (SWP)
A Systematic Withdrawal Plan (SWP) is a smart financial strategy that allows you to withdraw a fixed amount from your investment at regular intervals. It’s particularly popular among retirees who need a steady income stream from their savings.
Unlike dividends or interest payments that leave your principal untouched, SWP involves withdrawing both principal and appreciation to generate regular cash flow. This approach provides predictable income while allowing your remaining investment to potentially grow.
Our SWP calculator helps you visualize how different withdrawal rates, return expectations, and time horizons affect the longevity of your retirement corpus. By adjusting the parameters, you can find the optimal balance between current income needs and future financial security.
Benefits of SWP
- Regular income stream for financial stability
- Flexibility to adjust withdrawal amounts
- Potential for remaining corpus to grow
- Tax-efficient withdrawals compared to interest income
- Better financial planning for retirement
- Automated process for consistent cash flow