Systematic Withdrawal Plan(SWP) | WISEPRO TOOLBOX
Calculate your regular withdrawals from investments while accounting for market returns
SWP Calculator - Plan Your Systematic Withdrawals & Manage Retirement Income
Enter your investment information to calculate sustainable withdrawals:
| Year | Beginning Balance | Withdrawals | Returns | Ending Balance |
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A SWP (Systematic Withdrawal Plan) calculator is an online tool that helps investors estimate how long their investment corpus will last based on regular withdrawals. It's particularly useful for retirement planning, where you need to determine sustainable withdrawal rates from your savings.
SWP allows you to withdraw a fixed amount regularly from your mutual fund investments. This approach helps you generate a regular income stream while keeping the remaining corpus invested. The calculator accounts for market returns to project how your investment will deplete over time.
The calculator provides an estimate of:
These projections are based on your inputs and assume a constant rate of return. Actual results may vary based on market performance.
What is a safe withdrawal rate? The 4% rule is a common guideline suggesting you can withdraw 4% of your initial portfolio value annually, adjusted for inflation, with a high probability of not outliving your money over a 30-year retirement.
Can I change my SWP amount later? Yes, most mutual funds allow you to modify your withdrawal amount or frequency. Some also offer step-up SWP facilities where your withdrawal increases automatically each year.
How does market performance affect SWP? During bull markets, your corpus may grow despite withdrawals, potentially extending its lifespan. During bear markets, withdrawals may deplete your corpus faster than anticipated.
Is SWP better than dividend options? SWP gives you more control over withdrawal amounts and timing. Unlike dividends, which are unpredictable, SWP provides a consistent income stream. SWP withdrawals may also be more tax-efficient in some jurisdictions.