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SWP Calculator

Total Investment

Withdrawal per month

Expected Returns (P.a)

%

Time Period (Years)

Total Investemt

0

Ex. Returns

Total Value

What is a SWP Calculator?

SWP (Systematic Withdrawal Plan) involves drawing a fixed amount of money at specified time intervals such as monthly, quarterly or annually. An SWP calculator is a tool that helps you determine the amount of money to withdraw from your investment portfolio at regular intervals.

Navi’s SWP calculator carries a user-friendly design and is extremely easy to use. All you need to do is just select the investment, withdrawal amount, tenure and expected return. The online calculator will give you the EMI details in a few seconds.

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How to Use the SWP Calculator?

The SWP calculator is a tool that helps you calculate the amount of money you can withdraw from your investment/mutual fund portfolio. It also helps plan for retirement by calculating how much money will be required in order to generate an income that keeps pace with inflation and other factors.

Here’s how to calculate your withdrawals with the Navi SWP calculator:

Select the investment amount

Choose the amount with the help of the slide bar

Select withdrawal per month

Next, use the slide bar to choose the month

Select the return rate

Now, move the slide bar to select the return rate

Select the time period

Slide the bar to set the time tenure

In seconds, you will be able to view your withdrawal value

What is the SWP Calculator Formula?

The SWP calculator uses the following formula:

A = PMT ((1+r/n)^nt-1)/(r/n), where,

A = FV of your investment
PMT = payment amount for each period
r = rate of return per year
n = number of compounding periods

For example, if you invest ₹2 lakh in an SWP for a year and decide to withdraw ₹5,000/- from this investment while the interest rate is 12%, the final value of your investment will be ₹1,60,768.

Advantages of Using Navi SWP Calculator

Here are some of the advantages of the Navi lumpsum calculator

User-friendly design

Navi SWP calculator is user-friendly and offers a clean interface

Saves time

Navi SWP calculator simplifies the math and provides results instantly

Helps you plan better

Calculate your withdrawals accurately to plan your finances well

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Frequently asked questions

In general, SWP is best done when you require regular income as an additional fund. While there is no age limit to when one may begin, it makes more sense for retirees to use this facility to generate stable income in retirement. The idea is to ensure you have a steady income while also ensuring your fund does not deplete too soon.

The benefits of SWPs are:

  • You pay tax only on gains
  • Helps retirement planning
  • Can generate regular income
No, SWPs are not limited to a single individual type, retirees, or senior citizens. SWPs can be affected by anyone who has made a lump sum investment in a fund and wants to withdraw predetermined amounts systematically over a set period of time.
Yes, you can choose your amount, it’s not fixed. You can also withdraw more or less, depending on your circumstances.
The amount you withdraw will depend on several factors such as invested amount, rate of return and time period. Tweak your withdrawal amount depending on your financial goal.
Yes, the Navi SWP calculator needs no expertise for operation. Just fill in the details, and in an instant, generate your withdrawal details.
After clearing all formalities, you can access your money.
Disclaimer : Navi does not guarantee accuracy, completeness or correct sequence of any of the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained/data generated herein or on its completeness/accuracy. The use of any information set out is entirely at the user’s own risk.

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