If you invest lumpsum under SWP (Systematic Withdrawal Plan), in a Mutual Fund, you can always set an amount which you will withdraw regularly at can also set the frequency  at which you will withdraw.

Let us take an example, if you invest in HDFC Top 200 Fund an amount of Rs. 1 lakh for a year. Lets suppose that you decided to withdraw an amount of Rs. 10000 per month. Every month, your investment in the fund will get decreased by Rs. 10000. The amount that is left after withdrawal every month will be continue to remain invested.

How Can A SWP Calculator Assist You?

As stated by the Systematic Withdrawal Plan, a person needs to invest a certain amount and also needs to withdraw a particular amount of the corpus that is invested every month. After withdrawal, the amount will be subtracted from the investment as it continues to accumulate interest.

 It is not easy to exactly calculate the monthly withdrawals and total matured sum.  We can help you with this complex calculations with the the SWP calculator. This Systematic Withdrawal Plan calculator easily calculates your matured sum as per your monthly withdrawals accurately. Calculators make it simpler for the people to calculate their investments in mutual funds.

Example Of Systematic Withdrawal Plan

As  stated earlier, the SWP allows investors to create both monthly revenue and an accumulated sum at the end of the maturity period. Make reference to this investment and withdrawal schedule for a comprehensive idea.

Here, a person has invested Rs. 50,000 for period of 1 year along with a systematic withdrawal of Rs. 1,000 per month. Interest rate will be at 10%.

Therefore the total return of investments after the period ending stands at Rs. 4565.



Balance at begin


Interest Earned


Rs. 50,000

Rs. 1000

Rs. 408


Rs. 49,408

Rs. 1000

Rs. 403


Rs. 48,812

Rs. 1000

Rs. 398


Rs. 48,210

Rs. 1000

Rs. 393


Rs. 47, 604

Rs. 1000

Rs. 388


Rs. 46,992

Rs. 1000

Rs. 383


Rs. 46,375

Rs. 1000

Rs. 378


Rs. 45,753

Rs. 1000

Rs. 373


Rs. 45,126


Rs. 368


Rs. 44,494

Rs. 1000

Rs. 362


Rs. 43,856

Rs. 1000

Rs. 357


Rs. 43,214

Rs. 1000

Rs. 352


How to use SWP Calculator?

The calculator is very convenient and easy to use at the very first time. One must make sure that all the values are correctly put in.

  • There will be three columns named as tenure, expected return and amount invested. Fill in the values according to your investment plan.
  • Enter the values and calculate to find out a similar SWP returns chart as mentioned earlier.             

How Can A SWP Calculator Benefit You?

The most common investors of this scheme are the Retirees and Senior Citizens. These individuals require a fixed monthly financial input. An SWP offers the same over and above the pension or as an alternative. They can use this easy and innate systematic withdrawal plan calculator for various benefits.

  • A Systematic Withdrawal Plan makes sure of monthly returns while generating  RoI on the total investment. This calculator helps in easily calculating both correctly.
  • It is very simple to put on the amount that you want to withdraw every month and calculate amount on maturity respectively.
  • It is easily available online.
  • This SWP return calculator does not need any expert person to operate. The users just need to put the variables correctly in the the right place and the result is ready in a moment.