SWP Calculator
Optimize your retirement income. Calculate regular monthly payouts, remaining capital gains, and final maturity balances. Turn your lumpsum investment into a reliable monthly income stream — free and private.
📈 Capital Remaining Trend Over Time
Get started in 4 simple steps
Enter Lumpsum Capital
Enter the initial capital amount you want to invest (e.g., 1,000,000).
Set Monthly Withdrawal
Set the amount you wish to withdraw on a regular monthly basis.
Set Return Rate
Input the expected annual rate of return on the remaining capital balance.
Choose Tenure
Select the duration in years for which you wish to run the systematic withdrawal plan.
Why use our SWP Calculator?
Accurate Capital Depletion Mapping
Tracks month-by-month withdrawals and calculates compounding returns on the remaining balance.
Inflation Adjusted Payouts
Optionally increase your monthly withdrawal amount annually to match expected inflation (e.g., 6%).
Visual Balance Trend
Interactive chart maps your remaining balance vs total cumulative withdrawals over the tenure.
Instant Live Updates
All sliders update instantly in real-time as you tweak your retirement assumptions.