SWP (Systematic Withdrawal Plan) Calculator
Estimate how long your investments will last with regular withdrawals.
About this Tool
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount from your investments at regular intervals. This calculator helps you estimate how long your investment corpus will last based on your withdrawal amount and expected returns.
Common Use Cases
Retirement Income Planning
Determine a sustainable monthly withdrawal amount from your retirement fund.
Financial Independence
See how long your investments can support you if you decide to stop working.
Comparing Scenarios
Analyze how different withdrawal amounts or investment returns affect the longevity of your funds.
Pro Tips
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The 4% Rule
A common retirement guideline is to withdraw 4% of your initial portfolio value each year, adjusted for inflation. This calculator can help you test that rule.
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Be Conservative
It's often wise to use a conservative expected rate of return to ensure your funds last, even in down markets.
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Impact of Inflation
This calculator does not account for inflation. In reality, you may need to increase your withdrawals over time to maintain your purchasing power.