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• Visual comparative bar charts displaying Initial Investment vs. Total Withdrawn vs. Estimated Final Balance.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• Granular schedule detailing withdrawn amounts and remaining portfolio balance.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.