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SWP Calculator

Calculate fixed returns every month on your investments with Dhan's online SWP Calculator.

Total Investment Amount

₹ 500
₹ 50,00,000

Monthly Withdrawal

₹ 500
₹ 50,000

Expected Return Rate (p.a)


Time Period (in years)

1 Yr
30 Yrs

Investment Amount


Total Withdrawals


Final Value


Compound your wealth with SIP in Mutual Funds

Systematic Withdrawal Plans (SWP) allow investors to receive a regular income while keeping their investments intact. It is like having a steady paycheck from your investments while still allowing them to grow and appreciate over time. For calculating this, a SWP Calculator is a very valuable tool.

What is the SWP Calculator?

The SWP Calculator is designed as a financial tool to allow easy planning and implementation of Systematic Withdrawal Plans (SWP) on investment portfolios. It does the difficult math involved in deciding on withdrawal amounts in relation to various parameters like investments, returns and investor preferences.

Investors putting in distinct data into this particular calculator receive precise forecasts of their future withdrawals enabling them to plan their finances properly and handle their investments with certainty.

Moreover, some SWP calculators may offer additional features like tax implications, inflation adjustments, and integration with investment portfolios for a comprehensive financial planning experience.

Example of SWP Calculator

Let's say you have an investment portfolio of ₹1,000,000 and want to establish a Systematic Withdrawal Plan (SWP), that will generate a monthly income of ₹10,000.

Using the SWP Calculator, you could input the following:

  • Investment amount: ₹1,000,000
  • Monthly withdrawal amount: ₹10,000
With this information, the calculator will work out:
  • The number of months that your savings will last, based on what you withdraw each month.
  • Your remaining balance at each withdrawal.
  • If there are any other details like taxation or inflation adjustment.
This allows you to plan for your finances effectively where you ensure that you have a stable cash inflow while managing your investments.

Step-by-Step Guide to Using the SWP Calculator

Using a SWP Calculator is relatively straightforward. Here's a step-by-step guide to help you with the process of on the Dhan SWP Calculator:

  • Access the SWP Calculator: Open the Dhan SWP calculator from its website.
  • Input Your Investment Details: Start by entering your investment details. This includes the total amount you have invested in the mutual fund or other investments.
  • Specify Withdrawal Amount: Decide how much you want to withdraw with each SWP instalment.
  • Review Assumptions: Understand the assumptions the calculator is making. These may include assumptions about the rate of return on your investments, taxation rules, and other factors that can impact your SWP withdrawals
If needed, you can adjust parameters such as the rate of return or inflation rate to better match your expectations or market conditions.
Once you've entered all the necessary details, the calculator will provide you with the results. This typically includes a schedule of withdrawals detailing the amount you'll receive at each interval and the expected balance remaining in your investment.

Advantages of Utilizing an SWP Calculator

Using a SWP Calculator offers several benefits to investors:
  • Accuracy:
    SWP Calculators use precise algorithms to calculate withdrawal amounts based on various parameters, ensuring accurate and reliable results. This helps you plan your finances with confidence, knowing you can rely on the calculated figures.
  • Time-saving:
    Manually calculating SWP can be time-consuming and prone to errors. SWP Calculators automate the process, saving valuable time that can be better spent on other aspects of financial planning or enjoying life.
  • Customization:
    SWP Calculators typically offer customization options, allowing you to tailor your withdrawal plans according to your specific needs and preferences. Whether it's adjusting withdrawal frequency, amount, or duration, you can customize your SWP strategy to suit your financial goals.
  • Informed Decision Making:
    By providing detailed insights into the projected outcomes of different withdrawal scenarios, SWP Calculators allow you to make informed decisions about your finances. You can explore various withdrawal strategies and choose the one that best aligns with your objectives and risk tolerance.
  • Risk Management:
    SWP Calculators help you mitigate the risk of outliving your savings by projecting the sustainability of your withdrawal plans over time. By considering factors such as investment performance, inflation, and longevity, SWP Calculators provide a clearer picture of the potential outcomes, allowing you to adjust your strategies accordingly.


Now you've learned how Systematic Withdrawal Plans (SWP) can make managing your investments easier by providing a steady income stream. With the help of the Dhan SWP Calculator, you can navigate your withdrawals with confidence, ensuring your financial stability. Remember, SWP is all about convenience and control, allowing you to enjoy the fruits of your investments while maintaining peace of mind.

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