Systematic Withdrawal Plan (SWP) Calculator
Transform Your Corpus into Monthly Income with Our SWP Calculator India
Sitting on a lump-sum of ₹5,00,000 or more? Want to build a predictable channel of passive income aligned with Indian market returns? Our Systematic Withdrawal Plan (SWP) Calculator India is designed just for you.
🔍 Why Use the SWP Calculator?
- Precise Monthly Cashflow: Know exactly how much you can withdraw every month in ₹ without depleting your funds prematurely.
- Corpus Longevity Timeline: See real-time projections of how long your investment corpus will sustain your lifestyle.
- Instant Reports & Shareable PDFs: Generate visual reports to share with financial advisors or family.
🇮🇳 Indian Market Examples
| Corpus (₹) | Monthly Withdrawal (₹) | Assumed Annual Return | Approx. Duration |
|---|---|---|---|
| 5,00,000 | 10,000 | 10% (e.g., Nifty 50) | 54 years |
| 10,00,000 | 20,000 | 8% (e.g., SBI Bluechip Fund) | 48 years |
| 20,00,000 | 50,000 | 12% (e.g., HDFC Equity) | 45 years |
| 15,00,000 | 10,000 | 7% (e.g., Tax-saving ELSS) | ∞ (sustainable) |
FIRE Hack: When your SWP withdrawal rate is below your expected fund return (e.g., withdrawing 5% from funds returning 8%), your corpus can, in theory, last indefinitely.
🛠️ How It Works
- Enter Inputs
- Total Investment Corpus (e.g., ₹10,00,000)
- Desired Monthly Withdrawal (e.g., ₹15,000)
- Expected Annual Return (e.g., 9% based on historical Nifty performance)
- Generate Outputs
- Number of Years/Months your funds will last
- Total Amount Withdrawn
- Donut Chart Breakdown: Withdrawn vs. Remaining vs. Growth
- Annual Projection Table
🔗 Internal Links
- Try our SIP Calculator: SIP Calculator India
- Retirement planning tips: Ultimate Retirement Guide
🔗 External Links
- SEBI Regulations for SWP: SEBI Circular on SWP
- Nifty 50 Historical Data: NSE India – Nifty 50
- Top Performing ELSS Funds: Moneycontrol ELSS Funds
📊 Visualize & Export
- Donut Chart showing withdrawal vs. growth.
- Projection Table highlighting annual balances.
- Export Options: Download as PDF or share via WhatsApp and Email.
🎯 Who Should Use This?
- Early Retirees (FIRE Seekers) planning post-retirement cashflow
- Retirees drawing down their PF or PPF lumpsums
- Parents managing education funds for children
- Passive Income Aspirants seeking predictable returns
Ready to secure your monthly income with Indian market returns?
👉 Try our SWP Calculator India now:
sipcalculatorfree.in/swp-calculator
Make your money last. Live life on your terms. That’s the power of FIRE + SWP.
