SWP Calculator
- Final Value
- Total Interest Earned
- Total Withdrawal
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| Month | Balance at Begin (₹) | Withdrawal (₹) | Interest Earned (₹) | Balance at End (₹) |
|---|
Systematic withdrawal plan is what SWP stands for. If you invest a lump sum in a mutual fund under SWP, you can specify how much you want to withdraw on a regular basis and how often.
For instance, suppose you invested ₹1 lakh for a year in the HDFC Top 200 Fund. Suppose you made the decision to take out ₹10000 every month. Your investment in the fund will therefore decrease by ₹10000 per month. The remaining sum each month following the withdrawal will stay invested. To find out how much you can take out of your lump sum investments, use the SWP calculator above.
The SWP calculator is a helpful tool to estimate your periodic withdrawals based on selected inputs, creating a steady cash flow from investments. It calculates withdrawals using this formula:
A = PMT × [(1 + r/n)^(nt) – 1] / (r/n)
Where:
- A is the projected investment value
- PMT is the amount withdrawn per period
- r represents the return rate
- n is the compounding frequency annually
- t is the total years invested
By simulating withdrawals and income flow, the SWP calculator allows you to maintain a stable income while preserving your principal investment and planning informed strategies for sustained financial management.
Through the Systematic Withdrawal Plan, you can use 5paisa SWP Calculator to determine your monthly income from mutual fund assets.
You can determine the maturity amount and experiment with alternative withdrawal amounts using the SWP Calculator.
You can determine the optimal monthly withdrawals from the mutual fund plan with the aid of the calculator.
The SWP excess, which you can invest in other financial assets, can be calculated with the aid of the SWP Calculator.
For instance, Rahul Pawar has 10,000 units in a mutual fund scheme. He has instructed the fund house to withdraw ₹ 4,500 monthly through a Systematic Withdrawal Plan. On January 1, 2021, the NAV of the scheme was ₹ 12. Rahul receives ₹4,500 by redeeming 375 units (4,500/12).
He then has 9,625 units remaining. On February 1, 2021, if the NAV rises to ₹ 18, the fund redeems 250 units (4,500/18) to provide Rahul with ₹ 4,500, leaving him with 9,375 units. This calculation can continue similarly each month.
The best SWP calculator by 5 Paisa helps you quickly estimate consistent monthly withdrawals from your mutual fund investments.
Frequently Asked Questions
Any investor in an open-ended SBI Mutual Fund scheme has the option to initiate a Systematic Withdrawal Plan for consistent cash flow, subject to any applicable lock-in period.
You may view the monthly withdrawals from the SWP using the SWP Calculator. You can figure out how much money you want each month. Any excess funds could be invested based on your risk tolerance and financial objectives. Additionally, it displays the ultimate worth of your investment. To determine how much, you can take out of mutual funds and earn extra money, you can use the 5paisa SWP Calculator.
The type of mutual fund and the holding period (from the date of acquisition to the date of redemption or transfer) define the tax consequences for mutual funds.
Disclaimer: The calculator available on the 5paisa website is intended for informational purposes only and is designed to assist you in estimating potential investments. However, it is important to understand that this calculator should not be the sole basis for creating or implementing any investment strategy. View More..