10 Best Free Online SWP Calculator Websites

Here is a list of best free online SWP calculator websites. SWP or Systematic Withdrawl Plan is an investment strategy that gives investors a regular stream of income while keeping their investment intact. Through systematic withdrawal plan calculation, users can calculate the final value, total interest earned, and total withdrawal amount. However, users mainly perform the SWP calculation to find out the final value (it represents the remaining value of your investment portfolio after all scheduled withdrawals have been made). If you also want to calculate the final value, then check out these online SWP calculator websites.

Through these websites, users can quickly calculate the final value and other parameters using SWP calculation. To do that, users need to provide some known values like Total Investment, Monthly Withdrawl, Expected Rate of Return, and Investment Tenure. Some of these websites also generate pie charts highlighting invested amount vs expected return parameters. To help out users, I have also provided the SWP calculation steps in the description of each website.

These websites also offer additional online tools such as SIP Calculator, HRA Calculator, GST Calculator, PPF Calculator, and more. Go through the list to learn more about these websites.

My Favorite Online SWP Calculator Website:

indmoney.com is my favorite website as it can calculate both the final value and total withdrawal amount. It also shows the SWP calculation formula.

You can also check out lists of best free Online Reducing Interest Rate Calculator, Online TDEE Calculator, and Online Return On Investment Calculator websites.

Comparison Table:

Features/Website Names	Explains Systematic Withdrawal Plans	Shows SWP Calculaion Formula	Answers queries related to SWP
indmoney.com	✓	✓	✓
icicidirect.com	✓	✓	✓
groww.in	✓	x	x
cleartax.in	✓	x	x
5paisa.com	x	x	✓
adityabirlacapital.com	✓	x	✓
upstox.com	✓	x	✓
fundsindia.com	✓	x	✓
motilaloswal.com	✓	x	✓
indianfoline.com	✓	x	x

indmoney.com

indmoney.com is a free online SWP calculator website. This website helps users perform systematic withdrawal plan calculations. Plus, it also explains SWP and associated elements like fixed withdrawal, variable withdrawal, final value, expected return, etc. It also shows the formula used to calculate the final value of the investment. Apart from the final value, it also calculates the total withdrawal amount. Now, follow the below steps.

How to perform SWP calculation online using indmoney.com:

Go to this website and access the SWP Calculator.
After that, enter the total investment, withdrawal per month, expected return rate, and time period values.
Next, let this calculator perform the calculation and view the calculated final investment value and total withdrawal amount.

Additional Features:

This website also offers associated calculators like SIP, Interest, Gratuity, Post Office RD, etc.
On this website, users also get services related to Insurance, US Stocks, Mutual Funds, and more.

Final Thoughts:

It is one of the best free online SWP calculator websites that not only calculates the final value but also shows the parameters involved in the SWP calculation.

Pros	Cons
Explains SWP and all elements involved in SWP calculation
Shows calculation formula

Home Page

icicidirect.com

icicidirect.com is another free online SWP calculator website. This website uses SWP calculation to calculate the monthly withdrawal value. However, it doesn’t calculate the final value, unlike other similar websites. To perform this calculation, it uses investment value, expected return on investment, and SWP period values. It also generates a pie graph highlighting the total investment vs. monthly withdrawal amount. Now, check out the below steps.

How to perform SWP calculation online using icicidirect.com:

Visit this website and access the SWP Calculator tool.
After that, manually specify the investment value, expected rate of return, and SWP period.
Finally, view the calculated monthly withdrawal amount.

Additional Features:

This website also offers additional tools such as SIP Calculator, CAGR Calculator, EBITDA Margin Calculator, Home Loan EMI Calculator, and more.

Final Thoughts:

It is another capable online SWP calculator website that helps users calculate the monthly withdrawal amount.

Pros	Cons
Calculates monthly withdrawal amount	Doesn’t calculate the final value
Generates withdrawal amount vs total investment pie chart

Home Page

groww.in

groww.in is a free online SWP calculator website. Through this website, users can calculate systematic withdrawal plans for their investments. To do that, users need to specify the total investment, withdrawal per month, expected return rate, and time period values. Based on the provided values, it calculates and shows the total withdrawal and final value amounts. This website also explains SWP and provides an SWP example. Now, follow the below steps.

How to perform SWP calculation online using groww.in:

Go to this website and access the SWP calculator.
After that, specify the total investment, withdrawal per month, expected return rate, and time period values.
Next, view the calculated total withdrawal and final value amount.

Additional Features:

This website also provides additional financial calculators such as Lumpsump Calculator, SIP Calculator, Mutual Fund Returns Calculator, PPF Calculator, and more.

Final Thoughts:

It is another good online SWP calculator website for users to calculate total withdrawal and final value amount.

Pros	Cons
Explains SWP and provides an SWP example

Home Page

cleartax.in

cleartax.in is another free online SWP calculator website. Through this website, users can calculate the final value of the systematic withdrawal plan. It also explains SWP in detail and shows the workings of this SWP calculator. The process to perform the SWP calculation is simple and it only requires four values from users namely Total Investment, Withdrawal Per Month, Expected Returns (in percentage), and Tenure of Investment. Now, follow the below steps.

How to perform SWP calculation online using cleartax.in:

Go to this website using the given link.
After that, enter the total investment and monthly withdrawal values.
Now, specify expected returns and tenure values.
Finally, view the calculated Final Value in Indian rupees.

Additional Features:

This website offers multiple Income Tax Return, GST, and Tax Tools such as Income Tax Calculator, Capital Gains Income Calculator, GST Invoices, GST Services, HRA Calculator, GST calculator, and more.

Final Thoughts:

It is another good online SWP calculator website that helps users calculate the final value (the remaining value of the investment portfolio after all scheduled withdrawals have been made).

Pros	Cons
Explains SWP and its calculation process
Answers common questions related to SWP calculation

Home Page

5paisa.com

5paisa.com is another free online SWP calculator website. Through this website, users can calculate the final value, total interest earned, and total withdrawal values. It also generates a SWP calculation table highlighting month-wise beginning balance, withdrawal amount, interest earned, and balance at end. It also answers various common questions related to SWP calculation. Now, follow the below steps.

How to perform SWP calculation online using 5paisa.com:

Go to this website and access the SWP calculator.
After that, enter the total investment, monthly withdrawal, expected rate of return, and investment tenure.
Now, view the calculated final value, total interest earned, and total withdrawal values.

Additional Features:

This website also offers additional online tools such as BMI, FD, Currency, Car Loan, Bike Loan, Gold Loan, etc.

Final Thoughts:

It is another good online SWP calculator website that not only calculates the final value but also calculates the total interest earned and total withdrawal values.

Pros	Cons
Can calculate final value, total interest earned, and total withdrawal values
Generates monthly SWP transaction values

Home Page

adityabirlacapital.com

adityabirlacapital.com is another free online SWP calculator website. This website comes with a simple SWP calculator that explains SWP in detail. To perform the calculation, it uses total investment, withdrawal per month, investment period, and expected returns. After the calculation, it calculates and shows the final value of the investment and withdrawn amount. Now, follow the below steps.

How to perform SWP calculation online using adityabirlacapital.com:

Visit this website and access the SWP Calculator.
After that, enter all the required input values.
Now, view the calculated final value and amount withdrawn values.

Additional Features:

This website also offers handy tools such as FD Calculator, PPF Calculator, RD Calculator, SIP Calculator, and more.

Final Thoughts:

It is another simple and effective online SWP calculator website that offers all the tools to perform SWP calculations.

Pros	Cons
Explains the working of SWP
Answers common questions related to SWP calculation

Home Page

upstox.com

upstox.com is another free online Systematic Withdrawal Plan calculator website. This website comes with a simple SWP calculator that uses total investment, monthly withdrawal amount, expected returns, and tenure values to calculate the total value and estimated returns. It also explains SWP and answers all the common questions related to SWP calculation. Now, follow the below steps.

How to perform SWP calculation online using upstox.com:

Visit this website and access the SWP calculator.
After that, enter the total investment and monthly withdrawal amount.
Next, specify the expected returns and tenure values.
Finally, view the calculated estimated returns and total value amount.

Additional Features:

This website also comes with additional online tools such as Brokerage Calculator, Margin Calculator, SIP Calculator, Mutual Funds Returns Calculator, and more.

Final Thoughts:

It is another capable online systematic withdrawal plan calculator website that anyone can use with ease.

Pros	Cons
Can calculate expected returns and total value
Explains SWP

Home Page

fundsindia.com

fundsindia.com is another free online SWP calculator website. Through this website, users can calculate how long their investment will last and the remaining investment balance after SWP tenure. A graph is also generated by it that highlights the yearly change in investment amount after withdrawal.

To calculate how long your investment will last, it needs three input parameters namely total investment, withdrawal per month, and expected return rate values. Now, to calculate the remaining investment balance after SWP tenure, users need to enter the total investment, withdrawal per month, expected return rate, and SWP tenure values. Now, follow the below steps.

How to perform SWP calculations online using fundsindia.com:

Visit this website and go to its SWP Calculator section.
After that, choose either I want to know how long my investment will last or I want to know my remaining investment balance after SWP tenure.
Next, enter the required input values.
Finally, view the resultant values.

Additional Features:

This website also offers additional online tools like mutual funds calculators, retirement calculators, and deposit calculators.

Final Thoughts:

It is another good online SWP calculator website through which users can calculate the period of investment and remaining investment balance after SWP tenure.

Pros	Cons
Can calculate investment period
Generates yearly amount graph

Home Page

motilaloswal.com

motilaloswal.com is another free online SWP calculator website. This website offers a standard SWP calculator through which users can calculate the total value of their investment and expected returns value. An invested amount vs. expected returns pie chart is also generated by it. To perform the SWP calculation, users need to enter four known values namely total investment, withdrawal amount per month, expected returns, and tenure values. It also helps users understand the concept of SWP and the workings of the calculator. Now, follow the below steps.

How to perform SWP calculations online using motilaloswal.com:

Go to this website and access the SWP calculator.
After that, enter the total investment, monthly withdrawal amount, expected returns, and tenure values,
Next, view the calculated value of your investment and expected returns.

Additional Features:

On this website, users can also find related calculators like FD Calculator, RD Calculator, Retirement Calculator, Margin Calculator, NPS Calculator, and more.

Final Thoughts:

It is another capable online SWP calculator website that offers all the tools to find out the value of your investment through SWP calculation.

Pros	Cons
Calculates the total value of an investment and expected returns
Also generates an investment amount vs. expected returns pie chart

Home Page

indianfoline.com

indianfoline.com is the last free online SWP calculator website. In this calculator, users need to enter total investment, monthly withdrawal amount, expected returns, and investment time-period values. According to the provided values, it calculates and shows the total value of the investment. It also explains the systematic withdrawal plan. Now, follow the below steps.

How to perform SWP calculation online using indiafoline.com:

Visit this website and access the SWP calculator.
Now, enter all four required input values.
Next, view the calculated value of the investment.

Additional Features:

A good set of additional calculators such as EMI Calculator, Home Loan Calculator, Personal Loan Calculator, NPV Calculator, and more.

Final Thoughts:

It is another capable online SWP calculator website that anyone can use to calculate the total value of their investment.

Pros	Cons
Calculates the total value of the investment through SWP

Home Page

Frequently Asked Questions

What is Systametic Withdrawl Plan?

A systematic withdrawal plan (SWP) is a financial strategy often used in the context of mutual funds or investment portfolios. It is designed to provide a regular income stream to an investor while allowing them to keep their investments intact.

What is the risk in SWP?

A Systematic Withdrawal Plan (SWP) is a strategy designed to provide a regular income stream from your investment portfolio while keeping the principal amount invested. However, like any investment strategy, SWPs carry certain risks that investors should be aware of namely Market Risk, Sequence of Return Risk, Inflation Risk, Interest Rate Risk, Liquidity Risk, etc.

What is the SWP calculator?

A Systematic Withdrawal Plan (SWP) calculator is a financial tool or online calculator designed to help investors estimate and plan their withdrawals from an investment portfolio when implementing an SWP strategy. SWP calculators typically take into account various inputs and factors to provide you with projections and calculations related to your SWP.

What is SWP formula?

The Systematic Withdrawal Plan (SWP) formula calculates the amount of money you will receive during each withdrawal from your investment portfolio based on various factors, including your initial investment, withdrawal frequency, and expected rate of return. The formula can be expressed as follows: Withdrawal Amount (W) = P × (R / n). Where: W represents the withdrawal amount for each installment. P is the initial investment amount or the current value of your investment portfolio. R is the annual rate of withdrawal, expressed as a decimal. For example, if you want to withdraw 5% annually, R would be 0.05. n is the number of withdrawal periods per year (e.g., 12 for monthly withdrawals, 4 for quarterly withdrawals, 1 for annual withdrawals).

Is SWP better than FD?

Whether a Systematic Withdrawal Plan (SWP) or a Fixed Deposit (FD) is better for you depends on your financial goals, risk tolerance, and the specific circumstances of your investment needs. Each option has its advantages and disadvantages, and the choice between them should be based on your individual preferences and requirements.

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