SWP Calculator

  • Total Investment
  • Total Withdrawal
  • Final Value

For investing in mutual funds, systematic investment plans (SIPs) are the best choice for most investors. Similarly, when it comes to withdrawing from them, systematic withdrawal plans (SWPs) are an excellent way to withdraw from your maturity corpus.

These schemes let you set a specific withdrawal amount at regular intervals over a particular time period. As you withdraw, the remaining amount keeps earning interest, thus increasing your total return on investment.

What’s more, you can calculate your total income from the systematic withdrawal plan by using a SWP calculator. Keep reading to learn more!

What is a SWP Calculator?

A SWP calculator is an online tool which helps you compute your total income from a systematic withdrawal plan investment. It takes into account your total investment, monthly withdrawal amount, expected return rate and tenure to generate your investment’s final value.

How Does a SWP Calculator Work?

To understand how a SWP calculator operates, you first need to understand how a systematic withdrawal plan works.

Let’s take an example for better understanding. Suppose you invest ₹10,00,000 in an SWP and decide to withdraw ₹20,000 each month for the next 1 year; the expected return rate is set at 8%.

Here is how it will be calculated:

Month Balance (at the Beginning) Withdrawal Interest Earnings Balance (at End)
1st ₹10,00,000 ₹20,000 ₹6,533 ₹9,86,533
2nd ₹9,86,533 ₹20,000 ₹6,444 ₹9,72,977
3rd ₹9,72,977 ₹20,000 ₹6,353 ₹9,59,330
4th ₹9,59,330 ₹20,000 ₹6,262 ₹9,45,592
5th ₹9,45,592 ₹20,000 ₹6,171 ₹9,31,763
6th ₹9,31,763 ₹20,000 ₹6,078 ₹9,17,841
7th ₹9,17,841 ₹20,000 ₹5,986 ₹9,03,827
8th ₹9,03,827 ₹20,000 ₹5,892 ₹8,89,719
9th ₹8,89,719 ₹20,000 ₹5,798 ₹8,75,517
10th ₹8,75,517 ₹20,000 ₹5,703 ₹8,61,221
11th ₹8,61,221 ₹20,000 ₹5,608 ₹8,46,829
12th ₹8,46,829 ₹20,000 ₹5,512 ₹8,32,341

Your final investment value will be ₹8,32,341, total interest earned will be ₹72,341, and total withdrawal amount will be ₹2,40,000.

Thus, if you were wondering how to calculate SWP investment amount, this is how it is done. Now, a SWP calculator uses a mathematical formula, A = PMT ((1+r/n)^nt - 1) / (r/n)) in order to generate its results. Here,

• A - future investment value

• PMT - payment for each period

• t - number of periods

• n - number of compounding in a given period

How to Use a SWP Calculator?

Using a SWP calculator online is pretty simple. Just follow the steps given below:

Step 1: Enter your total investment amount.

Step 2: Set the amount you wish to withdraw every month.

Step 3: Enter your expected yearly rate of return.

Step 4: Set your time period.

After calculation, the system shows your total investment amount, the total return on investment and the interest earned.

If you are looking for the best SWP calculator, try out Samco’s. Our SWP calculator's user interface is simple and intuitive and generates results within seconds!

Advantages of Using the SWP Calculator

Mentioned below are some of the benefits of using a SWP calculator:

  • Helps you choose a monthly withdrawal amount over a specific tenure, which can help meet all your expenses.
  • Enables you to estimate the surplus from your SWP, which you can use for making another investment.
  • No technical expertise is required to operate a SWP calculator. You simply need to enter the required data, and the platform will immediately display the results.
  • Accurate, fast, accessible online and can be used as many times as you desire.


Now that you know how to use a SWP calculator, you can easily go for a systematic withdrawal plan and gain the dual benefits of regular income as well as interest returns. However, to ensure that you have a sizable corpus in order to invest in such schemes, investing in the right place is necessary.

Apart from this, Samco Stock SIP allows you to allocate a set amount every month in your favourite stocks and build a lump sum corpus in the long run.

Furthermore, Samco allows you to compare the performance of industry-best fund managers. From there, you can also redirect to Rank MF and start an investment that aligns with your financial goals.

Samco star fund manager

Download the Samco app today and and get ready to live a life of financial freedom!

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