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SWP Calculator

Retirement Planner

Calculate your Systematic Withdrawal Plan (SWP) returns. Plan your monthly passive income and visualize portfolio depletion.

Calculator Inputs

Live Calculation

Total Investment

₹

₹ 1L ₹ 5Cr

Monthly Withdrawal

₹

₹ 1K ₹ 5L

Expected Return Rate (p.a.)

4% 20%

Time Period

1 Yr 30 Yrs

Final Portfolio Balance info

₹ 0

account_balance

Total Amount Withdrawn

₹ 0

Total Investment

₹ 0

security Local Math Engine

All calculations run completely inside your browser sandbox using highly optimized client-side JS compiled scripts. No financial data is ever transmitted to our servers.

Formula Details

How the math works

Equated Monthly Installments (EMI) are calculated using the standard reducing balance amortization model.

EMI = P × r × [((1 + r)^n) / ((1 + r)^n - 1)]

EMI

Equated Monthly Installment

Principal Loan Amount borrowed

Monthly interest rate (Annual Rate / 12 / 100)

Total loan repayment tenure in months (Years × 12)

Reference Deck

Standard Benchmarks

Sample projections under common configurations.

Scenario	Short-Term	Medium-Term	Long-Term
₹20 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹24,797	15 Yrs EMI: ₹19,695	20 Yrs EMI: ₹17,356
₹50 Lakh Home Loan (8.5% p.a.)	10 Yrs EMI: ₹61,993	15 Yrs EMI: ₹49,237	20 Yrs EMI: ₹43,391
₹5 Lakh Personal Loan (12% p.a.)	3 Yrs EMI: ₹16,607	5 Yrs EMI: ₹11,122	7 Yrs EMI: ₹8,812

FAQs

Compliance & Calculations

What is reducing balance amortization? expand_more

Reducing balance amortization means that interest is calculated only on the remaining outstanding principal amount, not the initial loan principal, saving you massive interest charges over the tenure.

How can I reduce my total loan interest liability? expand_more

You can reduce your total interest liability by opting for a shorter tenure, making regular part-prepayments, or using balance transfer facilities to switch to a lower interest rate.

Does prepaying my home loan attract penalties in India? expand_more

Under RBI regulations, individual borrowers with floating interest rate home loans do not attract any prepayment penalties from banks or financial institutions.

Understanding SWP (Systematic Withdrawal Plan)

A Systematic Withdrawal Plan (SWP) is a facility offered by mutual funds that allows investors to withdraw a fixed amount of money at regular intervals. It is widely used by retirees to generate a steady, tax-efficient monthly income from their accumulated corpus.

Why is SWP better than FD Interest?

Unlike Fixed Deposit interest which is fully taxable under your income slab, SWP withdrawals are highly tax-efficient. When you withdraw via SWP, only the "capital gains" portion of the withdrawal is taxed (at 12.5% for LTCG on equity), while the principal withdrawal is completely tax-free.

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