What is an SWP Calculator?
An SWP Calculator estimates how a fixed monthly withdrawal from an invested sum affects its value over time. It shows the total withdrawn and what may remain, and tells you if the money runs out early.
A Systematic Withdrawal Plan (SWP) lets you take a fixed amount from a mutual fund every month while the rest stays invested. If the withdrawal is higher than what the investment earns, the balance falls over time. Returns are not fixed, so actual results will differ.
How to use the SWP Calculator
- Enter total investment.
- Enter monthly withdrawal.
- Enter expected return rate.
- Enter time period.
- Tap Calculate to see the result.
- Tap Reset to clear the fields and try again.
Who should use it
- Retirees planning a monthly income from savings
- Investors deciding a sustainable withdrawal amount
- Anyone comparing withdrawal amounts and periods
Key terms
- Total investment
- The amount invested at the start.
- Monthly withdrawal
- The fixed amount you plan to take out each month.
- Expected return rate
- The yearly return you assume on the balance.
- Final value
- The estimated balance left at the end of the period.
Frequently asked questions
What happens if the money runs out?
The calculator tells you roughly when the balance would reach zero at that withdrawal amount.
Is SWP income taxed?
Yes. Each withdrawal may include capital gains, which are taxed under the rules for that fund type.
Can I raise the withdrawal each year?
Yes. Use the SWP with Inflation Calculator to model a yearly increase.
Are returns guaranteed?
No. The figures depend on the return rate you enter.
Is my data stored?
No. Nothing you enter leaves your device.
Last updated: 1 November 2026