SWP Calculator - Cash Flow

Take full control of your retirement cash flow and mutual fund withdrawals with SWP Calculator — the premier financial planning toolkit engineered by Shuttle Technologies. Whether you are a retiree seeking consistent monthly income, a financial planner structuring mutual fund portfolios, or an investor tracking portfolio longevity, SWP Calculator delivers high-precision simulations, visual wealth projections, and comprehensive tax estimations. Key Features & Capabilities: 📊 Precision Systematic Withdrawal Planning (SWP) • Simulate periodic monthly payouts from your starting capital or mutual fund corpus. • Instant calculation of exact investment longevity (years and months until exhaustion). • Real-time word representation of large numbers (e.g. ₹1 Crore, ₹50 Thousand) to eliminate input errors. • Comprehensive support for dual currency notations (e.g. 10K, 1L, 1Cr vs Million/Billion). 📈 Interactive Visual Wealth Curves & Projections • Real-time interactive balance curves illustrating portfolio trajectory over time. • Visual comparative bar charts displaying Initial Investment vs. Total Withdrawn vs. Estimated Final Balance. • Observe compound growth counteracting periodic withdrawals to maximize portfolio survival. ⚖️ Equity LTCG Taxation Calculator (Post-Budget Compliant) • Automatic estimation of Long-Term Capital Gains (LTCG) tax liability on mutual fund withdrawals. • Incorporates current 12.5% taxation with ₹1.25 Lakh annual exemption threshold. • Clear separation of principal vs capital gain payout to ensure complete tax efficiency. 🎯 Reverse Goal Planner (Target Wealth Preservation) • Set a target corpus you want remaining at the end of 10, 20, or 30 years. • Reverse-calculate the exact maximum sustainable monthly withdrawal amount. • Never risk outliving your hard-earned retirement savings. 📅 Month-by-Month Detailed Breakdown Schedule • Granular schedule detailing withdrawn amounts and remaining portfolio balance. • Quick milestone jumps (1M, 6M, 1Y, 5Y, 10Y, 20Y). • Comprehensive summary notes explaining outcomes in simple, human-readable terms. 📑 PDF & Excel Financial Reports • Generate beautiful, print-ready PDF financial reports for clients or personal records. • Export granular tabular data directly to CSV/Excel for deeper spreadsheet analysis. 🌍 16 Global Languages & Multi-Currency System • Complete, native localization across 16 major worldwide languages with full RTL support. • Customizable currency systems: Indian Rupee (₹ INR), US Dollar ($ USD), Euro (€ EUR), British Pound (£ GBP), Japanese Yen (¥ JPY), and more. 🌙 4 Curated Display Themes • System Default, Dark Studio, Pitch Black AMOLED, and Crisp Minimalist Light Mode. 🔒 100% Offline-First & Private • Zero login required. All mathematical calculations and data storage occur strictly on your device. Zero personal financial data ever leaves your phone.