SWP Calculator
SWP Calculator by NIVITA HUF. Model scenarios, review calculations, explore detailed breakdowns and export results. Useful free planning tool.
Set your assumptions
Update the values to calculate your scenario.
Your calculation
Results update as you enter information.
JavaScript is required for interactive calculations.
How this calculator works
Monthly balance = previous balance × (1 + effective monthly return) − permitted withdrawal. Withdrawals start after monthly growth.
Important assumptions
No market volatility, exit loads, capital-gains tax or withdrawal timing variation modelled.
About the SWP Calculator
What inputs are needed for the SWP Calculator?
The calculator supports Opening investment (₹); Monthly withdrawal (₹); Expected annual return (%); Projection period (years); Annual withdrawal increase (%). You can change each applicable input and immediately recalculate.
How does the SWP Calculator calculate its results?
Monthly balance = previous balance × (1 + effective monthly return) − permitted withdrawal. Withdrawals start after monthly growth.
Can I save or share my calculation?
Yes. Use Export CSV for the results table, Copy results for a summary, Share scenario for an input-preserving link, or Print to keep a copy. No sign-in is needed.
Are calculator results guaranteed?
No. Calculations depend on the values entered and the assumptions shown. Financial products and regulatory rules can change, and investment projections do not guarantee returns.