Total Withdrawal Amount
Total Balance
Total Profit
Imagine this: You’ve worked hard, built a decent investment corpus, and now you want it to start working for you. Maybe you’ve retired and need a steady income, maybe you want to fund your child’s education without breaking your savings, or maybe you just want financial breathing room each month.
That’s where a Systematic Withdrawal Plan (SWP) Calculator steps in. It’s a simple tool that tells you exactly how much you can withdraw from your mutual fund investments at regular intervals-monthly, quarterly, or annually-while the rest of your money keeps compounding in the background.
In other words, it helps you create your own “salary” out of your investments, without the fear of draining your wealth too soon.
At its heart, an SWP calculator balances two things:
On top of this, it factors in:
The output is a clear picture: how long your money can sustain those withdrawals, and how much of your corpus will still be growing in the market.
Because it doesn’t just crunch numbers, it gives you peace of mind.
Think about it: Retirement isn’t about a big bank balance sitting idle; it’s about knowing you can pay bills every month without stress. Education planning isn’t about hoarding cash; it’s about ensuring fees are covered year after year without panic.
The Prodigy Pro SWP Calculator makes this real. In just a few clicks, you can see whether your plan is sustainable, and adjust your withdrawals before life throws surprises.
Let’s understand this with an example.
Imagine Mr. Mehra retired on 1st January 2010 with a retirement corpus of Rs 1 crore. Now, instead of falling for the obsolete methods, he decided to start a Systematic Withdrawal Plan with a 1% monthly trigger, which means he would withdraw 1 lakh every month for his expenses.
Over the next 15 years, he would relish the steady monthly income of 1 lakh, totalling Rs 1.75 crore in withdrawals. But even after withdrawing 1 lakh monthly, his corpus grew to Rs 1.12 crore by 1st July 2025; this is the power of compounding.
The Takeaway: With an efficient retirement plan using an SWP Calculator, you can receive a steady monthly income, keep your capital invested, and let it experience the magic of market growth.
Regular Income That Feels Like a Salary
For retirees or anyone without a fixed paycheck, SWP offers predictability. It ensures your lifestyle doesn’t come crashing down once your active income stops.
You’re in Control
Unlike pensions or fixed deposits, you decide how much and how often to withdraw. It’s your money, on your terms. Though the ideal withdrawal percentage per month is .75% of the invested amount, you can make it flexible as per your need. but , if you want your invested amount to grow while you are withdrawing per month, the withdrawal percentage should not be more than 1% of the amount invested.
Smarter Tax Treatment
Only the gains are taxed, not the entire withdrawal. Compare that to FDs where the whole interest is taxed, it’s a game-changer.
Your Money Still Compounds
Even as you withdraw, the remaining corpus keeps earning returns. You spend today while still saving for tomorrow.
Shields You From Panic
Markets rise and fall. With an SWP, you’re not forced to sell everything in a downturn. You withdraw gradually, riding out volatility without fear.
Money isn’t just about saving, it’s about using it wisely when you need it most. Too many people either hoard their savings out of fear or exhaust them too quickly out of excitement. Both paths lead to regret.
An SWP Calculator strikes the balance. It ensures your money works for you without letting it slip away unnoticed. Think of it as your personal paycheck system, designed not by your employer, but by your own investments.
Before you decide how to use your savings, spend two minutes with the Prodigy Pro SWP Calculator. Because the difference between financial stress and financial freedom often lies in planning, not in the size of your bank balance.
Questions on your mind? Dont worry we have the answers!