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Last updated on: June 25, 2025
SWP or The Systematic Withdrawal Plan offers investors a regular income at an interval you prefer from the investments made by you. You may withdraw either a fixed or variable amount on a pre-decided date every month or quarter as you prefer.
For example, if you invest in mutual fund for Rs. 1 Lakh for a year. Let’s assume you withdraw a monthly amount of Rs. 9000 every month, so your investment will reduce by Rs. 9000 and the amount remaining will continue to be invested.
A SWP calculator is an online tool that helps you estimate the potential income you can generate from your mutual fund investments through SWPs. While it may be difficult to manually calculate the monthly withdrawals and matured sum and maintain, Fincover can easily help you deal with this using our user-friendly SWP calculator.
Just mentioned your initial investment amount, desired withdrawal amount, frequency of withdrawals, and the expected rate of return.
Follow the below mentioned steps to make SWP calculator work for you
SWP calculator simulates your monthly withdrawals from your mutual fund investments
A SWP calculator works on this formula mentioned below:
F = MP ((1+r/n)^nt – 1) / (r/n)
For example, if you are investing Rs. 120000 for a year, and you are withdrawing Rs. 10000 every month. The expected annual interest rate is 10%. The withdrawal tenure here is 12 months or 1 year. If you enter these details in the SWP calculator, you will get the result as follows
Total Investment - Rs. 120000
Total Withdrawal – Rs. 120000 (12*10000)
Final value – Rs. 6,595
1. Does the SWP Calculator takes market movements into account?
No, it uses fixed returns. Actual returns may change due to market volatility.
2. Is the SWP calculator free to use?
Yes it is absolutely free to use.
3. Can I Use the SWP calculator for different Mutual Funds?
Calculator can be used for all types of mutual funds which comes with SWP option.
4. Are the results given by SWP calculator?
The SWP calculator provides returns based on the input you provide and the assumed rate of return. The actual return might vary based on market volatility.
5. Can I rely solely on SWP calculator for investment decisions?
A SWP calculator helps you calculate the approximate returns; the actual returns are impacted by market movements. It is advised to consult with Financial experts before proceeding with Investment. At Fincover, we have expert financial experts who have years of experience in assisting people.
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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