SWP Calculator: Plan Your Steady Withdrawals

The SWP (Systematic Withdrawal Plan) calculator lets users design a reliable monthly income by scheduling regular withdrawals from investment savings, making budgeting simple and flexible for every financial goal.

Why Use an SWP Calculator?

• Effortlessly plan fixed monthly cash flows from your investments, whether in mutual funds or digital assets.
  
• Gain clarity on how your withdrawals affect your savings and how much remains invested for future growth.
  
• Get projections on total withdrawals and the value you can expect at the end of your chosen period.
  

Simple Steps to Calculate Your Withdrawals

• Enter your investment amount and monthly withdrawal preference.
  
• Set tenure and expected return rate.
  
• Instantly see a full schedule showing how each withdrawal impacts your balance and how the remaining amount can continue earning returns.
  

Savings That Grow With You

An SWP isn’t just about regular income—it’s about letting your leftover savings continue to work for you. With smart choices like digital gold savings, your investments don’t just shrink with every withdrawal—they keep growing every day.

Example:

Suppose you invest ₹50,000 and withdraw ₹1,000 monthly at an annual return of 10%. The calculator shows month-by-month how your balance evolves, along with total withdrawals and remaining value, helping you plan smarter for tomorrow.

Why Jar?

At Jar, saving is more than just putting money aside. It's about building a habit, whether with gold or other investments, and knowing your savings can support regular life milestones without compromising future growth.

Get started now—use the SWP calculator for smarter, steady withdrawals while your savings (including digital gold) keep earning.

FAQs

1. What is the return of SWP in 10 years?

SWP returns depend on the mutual fund you choose. Equity and hybrid funds usually give 10–12% annual returns over 10 years. The final value also depends on how much you withdraw and market performance.

2. What is the 4 rule of SWP?

It refers to the “4% withdrawal rule,” meaning you can safely withdraw 4% of your total investment each year. This helps your money last longer, especially for retirement planning.

3. Which SWP is best for 3 years?

For 3 years, go for hybrid or debt mutual funds like SBI Equity Hybrid or ICICI Balanced Advantage Fund. These give steady returns with lower risk than pure equity funds.

4. Is SWP better than FD?

Yes, for long-term goals, SWP can be better as it offers higher returns and better tax benefits. But FDs are safer with guaranteed returns, ideal for short-term or low-risk investors.

5. Which bank SWP is best?

Banks like HDFC, ICICI, and SBI offer good SWP options through their mutual fund schemes. The best choice depends on the fund’s past performance and your risk level.