Systematic Withdrawal Plan Calculator

A Systematic Withdrawal Plan (SWP) Calculator is a financial tool that helps to calculate the matured amount as per your monthly withdrawals. With a SWP calculator, you can also calculate the interest received from your investments. Let us learn more about SWP Calculator in this article.

Read more
kapil-sharma
  • 4.8++ Rated
  • 9.7 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 4.9 Crore Policies Sold

SIP Benefits

  • Start SIP with as low as ₹1000
  • No hidden charges
  • Save upto ₹46,800 in Tax under section 80C^
  • Zero LTCG Tax
  • Disciplined & worry-free investing
Top Performing˜ SIPs with High Returns
Invest ₹10k/month & Get ₹1 Cr# Tax-Free*
+91
Secure
We don't spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp
We are rated++
rating
9.7 Crore
Registered Consumer
51
Insurance Partners
4.9 Crore
Policies Sold
Disclaimer:# The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds.

SWP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Total Wealth ₹22.4 L
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
17.44%
High Growth Fund
Top 200 Fund
17.14%
Top 200 Fund
Accelerator Mid-Cap Fund II
13.65%
Accelerator Mid-Cap Fund II
Opportunities Fund
14%
Opportunities Fund
Equity II Fund
9.33%
Equity II Fund
Accelerator Fund
12.28%
Accelerator Fund
Grow Money Plus Fund
13.31%
Grow Money Plus Fund
Multiplier
14.59%
Multiplier
Equity Top 250 Fund
11.23%
Equity Top 250 Fund
Future Apex Fund
12.01%
Future Apex Fund
Opportunities Fund
11.47%
Opportunities Fund
Frontline Equity Fund
13.43%
Frontline Equity Fund
Virtue II
15.2%
Virtue II
Pension Dynamic Equity Fund
10.15%
Pension Dynamic Equity Fund
Equity Fund
11.09%
Equity Fund
Blue-Chip Equity Fund
9.76%
Blue-Chip Equity Fund

Cost of Delay Calculator
Start early, gain more
Monthly SIP Amount
/Month
Invest For (in Years)
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Stay Invested For (in Years)
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
If you start SIP after (in Months)
Months
  • 0
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40

Due to the delay of 10 Months

Your Target Wealth will reduce by 13.3%.

With loss of ₹13,87,249

Start TodayDelayed Start
Invest Now

What is a Systematic Withdrawal Plan Calculator?

A Systematic Withdrawal Plan (SWP) calculator is an online tool that helps you determine the amount of money you can withdraw from your investment funds on a monthly or annual basis. Simply put, it allows you to determine the right strategy to withdraw your funds to get a profit of high returns. 

The SWP calculator takes into account the following details to provide you with an accurate estimation of your withdrawals and interest earned from your investment:

  • Investment Amount

  • Expected Annual Rate of Return

  • Tenure of Your Investment

  • Amount You Wish to Withdraw Monthly/ Yearly

It is a good idea to use this SWP calculator to check the final value because it makes the process of calculation very convenient. 

SWP calculator can be helpful for retirement planning if you want to generate a consistent income stream from your investments. 

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

How Does SWP Calculator Work?

A SWP calculator is a tool that helps you calculate the monthly withdrawals you can make from your investment funds through a Systematic Withdrawal Plan (SWP) .

Formula for Calculating the Withdrawal Amount in a Systematic Withdrawal Plan (SWP):

Withdrawal Amount = (A × r) / [n × {1 - (1 + r)^(-nt)}]

Where:

  • A = Initial Investment Amount

  • R = Expected Rate of Return

  • n = Number of Annual Withdrawals

  • t = Investment Tenure (in years)

The SWP calculator will provide you with the following values:

  • Total Investment Amount

  • Total Withdrawal Amount

  • Final Value in the Fund

List of Investment Funds

Select insurers
Select plans

Illustration of Systematic Withdrawal Plan Formula Calculation

Suppose you invest Rs. 5 lakhs for a year with a monthly systematic withdrawal of Rs. 10,000. If the annual rate of interest is 10%, your monthly balance sheet for an investment period of 1 year will be as follows:

Month Invested Amount Withdrawal Balance Amount Interest Earned on Balance
1 5,00,000 Rs. 10,000 Rs. 4,90,000 Rs. 4083
2 Rs. 4,94,083 Rs. 10,000 Rs. 4,84,083 Rs. 4034
3 Rs. 4,88,117 Rs. 10,000 Rs. 4,78,117 Rs. 3984
4 Rs. 4,82,101 Rs. 10,000 Rs. 4,72,101 Rs. 3934
5 Rs. 4,76,035 Rs. 10,000 Rs. 4,66,035 Rs. 3883
6 Rs. 4,69,918 Rs. 10,000 Rs. 4,59,918 Rs. 3832
7 Rs. 4,63,750 Rs. 10,000 Rs. 4,53,750 Rs. 3781
8 Rs. 4,57,531 Rs. 10,000 Rs. 4,47,531 Rs. 3729
9 Rs. 4,51,260 Rs. 10,000 Rs. 4,41,260 Rs. 3677
10 Rs. 4,44,937 Rs. 10,000 Rs. 4,34,937 Rs. 3624
11 Rs. 4,38,561 Rs. 10,000 Rs. 4,28,561 Rs. 3571
12 Rs. 4,32,132 Rs. 10,000 Rs. 4,22,132 Rs. 3517
Total interest Earned = Rs. 45,649

How to Use a SWP Calculator?

Follow the steps mentioned below to make judicious use of a SWP Calculator:

Step 1: Open the Policybazaar SWP calculator.

Step 2: Enter the following details:

  • Amount invested

  • Withdrawal amount

  • Expected rate of return

  • Tenure of the investment

Step 3: Click on the “Calculate” button.

Step 4: The SWP calculator will show you the following information:

  • Total amount you have invested

  • Total amount you will withdraw during the tenure of the investment

  • Final Value of your investment

Complete your financial analysis using the SIP Calculator.

start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow

What are the Benefits of SWP Calculator?

There are several benefits to using an SWP calculator; some of them are as follows:

  • Determine the Optimal Withdrawal Amount: A SWP calculator can help you determine the maximum amount you can withdraw from your investment each year without running out of money. This is important to ensure that you have enough money to meet your financial needs throughout your retirement.

  • Stay Disciplined in Your Withdrawals: It can be tempting to withdraw more money from your investment during market volatility. However, this can be risky, as you may end up running out of money prematurely. An SWP calculator can help you stay disciplined and stick to your withdrawal plan, even when the market is down.

  • Calculate the Final Value of Your Investment: An SWP calculator can help you calculate the final value of your investment, taking into account your withdrawal amount, the rate of return, and the inflation rate. This will give you an idea of how much money you will have left after you have made all of your withdrawals.

  • Compare Different Withdrawal Strategies: There are different withdrawal strategies that you can choose from, each with its own advantages and disadvantages. An SWP calculator can help you compare different strategies and choose the one that is right for you.

start-small-&-build-your-wealth-for-a-brighter-tomorrow start-small-&-build-your-wealth-for-a-brighter-tomorrow

To Sum It Up

The SWP Calculator is a valuable tool that enables you to make informed and judicious decisions about your Systematic Withdrawal Plans (SWP). By providing the required financial information, you can estimate your withdrawal amounts, monitor investment balances, and tailor your SWP strategy to meet your specific needs and goals.

FAQs

  • How do you calculate a systematic withdrawal plan?

    To calculate a Systematic Withdrawal Plan (SWP), you need to determine the withdrawal amount, frequency, and duration of the plan. To make calculations of your SWP investment, either use an online Policybazaar SWP Calculator or use the following formula:

    Withdrawal Amount = (A × r) / [n × {1 - (1 + r)^(-nt)}]

  • What is the final Value in the SWP calculator?

    In an SWP calculator, the final Value refers to the remaining amount in your investment after executing the systematic withdrawal plan for a specific duration. It represents the Value of your investment at the end of the withdrawal period.
  • Which bank is best for SWP?

    There are many banks that offer SWP; some of the best banks among them are ICICI Bank, HDFC Bank, SBI Bank, Axis Bank, and Kotak Mahindra Bank.
  • What is an SWP?

    SWP stands for Systematic Withdrawal Plan. It is a financial strategy commonly used in ULIP funds, mutual funds^^, and other best investment schemes. An SWP allows you to withdraw a predetermined amount regularly from your investment while leaving the remaining amount invested.
  • Which is better, FD or SWP?

    FD is a good option for investors who want a low-risk investment with fixed returns. However, FDs are not very liquid, and you may not be able to access your money quickly if you need it.

    SWP is a good option for investors who want a more flexible investment with the potential for higher returns. SWPs are also more liquid than FDs, so you can access your money more easily if you need it.

  • Is tax applicable on SWP?

    Yes, tax is applicable on SWP based on the type of investment and holding period. It is subject to capital gains tax, with rates varying for equity and debt funds. Long-term gains are taxed at a lower rate, while short-term gains attract higher taxes.
  • What is SWP for regular income?

    SWP for regular income is a financial strategy where an investor sets up periodic withdrawals from their investment, such as ULIP funds and mutual funds, to receive a steady and predictable income stream. Instead of withdrawing the entire investment at once, SWP allows individuals, particularly retirees, to withdraw a fixed or variable amount regularly while the remaining funds continue to be invested.
  • Is SWP good for retirement?

    Yes, SWP (Systematic Withdrawal Plan) can be a beneficial strategy for retirement planning, as it allows you to receive a predetermined amount regularly by providing a predictable and steady income. SWP also offers flexibility in determining the withdrawal amount and frequency.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

SIP plans articles

Recent Articles
Popular Articles
Edelweiss Life SIP Plan

11 Mar 2025

The Edelweiss life SIP (Systematic Investment Plan) offers a
Read more
Shriram SIP Plan

11 Mar 2025

The Shriram SIP Plan allows you to invest in mutual funds with
Read more
Best Time to Invest in SIP

27 Feb 2025

Investing in a Systematic Investment Plan (SIP) is an essential
Read more
Tax Saving SIP

03 Feb 2025

Tax Saving SIPs (Systematic Investment Plans) in Equity Linked
Read more
Top Performing Mutual Funds SIP in India

28 Jan 2025

For Non-Resident Indians (NRIs) looking to invest in the Indian
Read more
SIP Calculator
  • 10 Apr 2018
  • 678391
An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly
Read more
Best SIP Plans~
  • 14 Feb 2020
  • 223320
Best SIP Plans to Invest in India in 2025~ SIPs are a preferred investment strategy, enabling individuals to build
Read more
SIP Plan for 5 Years
  • 15 Apr 2020
  • 163966
SIPs are a great way to invest in mutual funds and market-linked funds for both long and short terms. They help
Read more
SIP Investment Plans - Best SIP Funds to Invest in India~
  • 01 Feb 2017
  • 1071581
A Systematic Investment Plan (SIP) is a smart and convenient way to invest in mutual funds. It allows you to
Read more
Best SIP Plans for 1,000 Per Month in 2025~
  • 18 Feb 2022
  • 82009
Investing in the best sip plans for ₹1,000 each month is a smart way to grow your money. This article shares
Read more

top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL