SWP Calculator
Systematic Withdrawal Plan Tool
Plan your retirement withdrawals with precision
User Guide
What is SWP?
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investment at regular intervals. It’s an ideal tool for retirees or investors who need regular income from their investments.
Key Benefits
- Regular income stream
- Inflation protection through continued growth
- Flexibility in withdrawal amounts
- Tax efficiency
How to Use This Calculator
Enter your initial investment amount
Set your expected annual return rate (in percentage)
Choose withdrawal frequency and amount
Specify the time period or let it calculate until fund exhaustion
Review results and adjust parameters as needed
SWP Calculator
Pro Tips for SWP Planning
Conservative Approach
Start with a lower withdrawal rate (3-4% annually) to ensure your funds last longer.
Regular Review
Review and adjust your SWP annually based on market performance and personal needs.
Emergency Buffer
Maintain a separate emergency fund outside your SWP investment.
Inflation Impact
Consider inflation when planning your withdrawal amounts to maintain purchasing power.
Market Volatility
Be prepared for market fluctuations and consider flexible withdrawal strategies.
Tax Planning
Consult a tax advisor to optimize your withdrawal strategy for tax efficiency.