Indian Rupee (₹)

US Dollar ($)

Note: Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount regularly from your investment. This calculator helps you plan your withdrawals and estimate how long your investment will last.

Total Investment Amount

₹

Expected Annual Return (%)

6% (Conservative)

8% (Moderate)

10% (Balanced)

12% (Growth)

Withdrawal Amount

₹

Total Withdrawal Period

Years

Withdrawal Frequency

Monthly

Quarterly

Yearly

SWP Calculation Results

Total Investment ₹0

Total Withdrawals ₹0

Remaining Balance ₹0

Total Returns Earned ₹0

Total Withdrawal Period 0 Years

Equivalent in USD $0

SWP Scenarios

3-4% Rule Withdraw 3-4% of total investment annually for sustainable income

Conservative SWP Lower withdrawals with 6-8% returns for longer sustainability

Moderate SWP Balanced withdrawals with 8-10% returns for steady income

Aggressive SWP Higher withdrawals with 10-12% returns for maximum income

Understanding SWP

What is SWP?

Systematic Withdrawal Plan (SWP) is an investment facility that allows investors to withdraw a fixed amount regularly from their mutual fund investments. It's the opposite of SIP, where you invest regularly instead of withdrawing.

Benefits of SWP

• Regular income stream
• Tax-efficient withdrawals
• Flexibility in withdrawal amounts
• Professional management continues
• Rupee cost averaging benefits
• Disciplined withdrawal approach

SWP Best Practices

• Follow the 3-4% withdrawal rule
• Consider inflation adjustments
• Monitor investment performance
• Maintain emergency funds
• Diversify withdrawal sources
• Review withdrawal strategy annually