{"id":12755,"date":"2026-08-31T15:21:43","date_gmt":"2026-08-31T09:51:43","guid":{"rendered":"https:\/\/flowersmfd.in\/?page_id=12755"},"modified":"2026-08-31T15:23:42","modified_gmt":"2026-08-31T09:53:42","slug":"swp-calculator","status":"publish","type":"page","link":"https:\/\/www.flowersmfd.in\/ta\/swp-calculator\/","title":{"rendered":"SWP Calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12755\" class=\"elementor elementor-12755\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"aux-parallax-section elementor-element elementor-element-12f29b4 e-flex e-con-boxed e-con e-parent\" data-id=\"12f29b4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b93c978 elementor-widget elementor-widget-html\" data-id=\"b93c978\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"flowers-swp-calculator-v1\">\r\n\r\n<style>\r\n#flowers-swp-calculator-v1{\r\n  --blue:#0066d6;\r\n  --navy:#12304a;\r\n  --green:#239447;\r\n  --orange:#b87800;\r\n  --light:#f5f9fd;\r\n  --border:#dce7f1;\r\n  --text:#17324a;\r\n  --muted:#66788a;\r\n  width:100%;\r\n  max-width:1100px;\r\n  margin:0 auto;\r\n  color:var(--text);\r\n  font-family:inherit;\r\n}\r\n\r\n#flowers-swp-calculator-v1 *{\r\n  box-sizing:border-box;\r\n}\r\n\r\n#flowers-swp-calculator-v1 input,\r\n#flowers-swp-calculator-v1 button{\r\n  font:inherit;\r\n}\r\n\r\n\/* HEADER *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-header{\r\n  text-align:center;\r\n  margin-bottom:24px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-title{\r\n  margin:0 0 7px;\r\n  color:var(--navy);\r\n  font-size:clamp(26px,4vw,36px);\r\n  line-height:1.2;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-subtitle{\r\n  margin:0;\r\n  color:var(--muted);\r\n  font-size:15px;\r\n  line-height:1.55;\r\n}\r\n\r\n\/* MAIN *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-main{\r\n  display:grid;\r\n  grid-template-columns:minmax(0,.95fr) minmax(0,1.05fr);\r\n  gap:20px;\r\n  align-items:start;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-panel{\r\n  min-width:0;\r\n  padding:23px;\r\n  border:1px solid var(--border);\r\n  border-radius:14px;\r\n  background:#fff;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-result-panel{\r\n  background:var(--light);\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-panel-title{\r\n  margin:0 0 18px;\r\n  color:var(--navy);\r\n  font-size:20px;\r\n  line-height:1.35;\r\n  font-weight:700;\r\n}\r\n\r\n\/* FIELDS *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-field{\r\n  margin-bottom:19px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-label-row{\r\n  display:flex;\r\n  align-items:center;\r\n  justify-content:space-between;\r\n  gap:12px;\r\n  margin-bottom:8px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-label{\r\n  color:var(--navy);\r\n  font-size:14px;\r\n  font-weight:600;\r\n  line-height:1.4;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-input{\r\n  width:145px;\r\n  min-height:43px;\r\n  padding:7px 10px;\r\n  border:1px solid var(--border);\r\n  border-radius:9px;\r\n  background:#fff;\r\n  color:var(--navy);\r\n  font-size:16px;\r\n  font-weight:600;\r\n  text-align:right;\r\n  outline:none;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-input:focus{\r\n  border-color:var(--blue);\r\n  box-shadow:0 0 0 3px rgba(0,102,214,.12);\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-range{\r\n  display:block;\r\n  width:100%;\r\n  height:8px;\r\n  margin:5px 0 7px;\r\n  padding:0;\r\n  accent-color:var(--blue);\r\n  cursor:pointer;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-range-labels{\r\n  display:flex;\r\n  justify-content:space-between;\r\n  gap:10px;\r\n  color:var(--muted);\r\n  font-size:11px;\r\n}\r\n\r\n\/* BUTTON *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-calculate{\r\n  width:100%;\r\n  min-height:50px;\r\n  margin-top:6px;\r\n  padding:10px 16px;\r\n  border:0;\r\n  border-radius:9px;\r\n  background:var(--blue);\r\n  color:#fff;\r\n  cursor:pointer;\r\n  font-size:15px;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-calculate:hover{\r\n  filter:brightness(.96);\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-status{\r\n  min-height:20px;\r\n  margin-top:9px;\r\n  color:#a05d00;\r\n  font-size:12px;\r\n}\r\n\r\n\/* RESULTS *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-result-label{\r\n  margin-bottom:5px;\r\n  color:var(--muted);\r\n  font-size:13px;\r\n  font-weight:600;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-result-value{\r\n  margin:0 0 18px;\r\n  color:var(--navy);\r\n  font-size:clamp(30px,5vw,44px);\r\n  line-height:1.12;\r\n  font-weight:800;\r\n  overflow-wrap:anywhere;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-result-grid{\r\n  display:grid;\r\n  grid-template-columns:1fr 1fr;\r\n  gap:9px;\r\n  margin-bottom:12px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-card{\r\n  min-width:0;\r\n  padding:14px;\r\n  border:1px solid var(--border);\r\n  border-radius:10px;\r\n  background:#fff;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-card-label{\r\n  margin-bottom:5px;\r\n  color:var(--muted);\r\n  font-size:12px;\r\n  line-height:1.4;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-card-value{\r\n  color:var(--navy);\r\n  font-size:18px;\r\n  line-height:1.3;\r\n  font-weight:700;\r\n  overflow-wrap:anywhere;\r\n}\r\n\r\n\/* STATUS CARD *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-health{\r\n  margin-bottom:12px;\r\n  padding:15px;\r\n  border:1px solid var(--border);\r\n  border-radius:10px;\r\n  background:#fff;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-health-title{\r\n  margin:0 0 5px;\r\n  color:var(--navy);\r\n  font-size:14px;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-health-text{\r\n  margin:0;\r\n  color:var(--muted);\r\n  font-size:12px;\r\n  line-height:1.55;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-health.good{\r\n  border-color:#c8e6d1;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-health.warning{\r\n  border-color:#ead6ad;\r\n}\r\n\r\n\/* CHART *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-chart-wrap{\r\n  padding:13px;\r\n  border:1px solid var(--border);\r\n  border-radius:10px;\r\n  background:#fff;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-chart-title{\r\n  margin:0 0 8px;\r\n  color:var(--navy);\r\n  font-size:13px;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-chart{\r\n  display:block;\r\n  width:100%;\r\n  height:190px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-chart-note{\r\n  margin:7px 0 0;\r\n  color:var(--muted);\r\n  font-size:11px;\r\n  line-height:1.45;\r\n}\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-disclaimer{\r\n  margin-top:16px;\r\n  padding:0;\r\n  color:var(--muted);\r\n  font-size:11px;\r\n  line-height:1.65;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-disclaimer strong{\r\n  color:var(--navy);\r\n}\r\n\r\n\/* CTA *\/\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta{\r\n  margin-top:18px;\r\n  padding:20px 23px;\r\n  border:1px solid var(--border);\r\n  border-radius:14px;\r\n  background:var(--light);\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta-title{\r\n  margin:0 0 6px;\r\n  color:var(--navy);\r\n  font-size:18px;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta-text{\r\n  margin:0;\r\n  color:var(--muted);\r\n  font-size:13px;\r\n  line-height:1.6;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta-buttons{\r\n  display:flex;\r\n  flex-wrap:wrap;\r\n  gap:8px;\r\n  margin-top:13px;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta-button{\r\n  display:inline-flex;\r\n  min-height:45px;\r\n  align-items:center;\r\n  justify-content:center;\r\n  padding:8px 17px;\r\n  border-radius:9px;\r\n  background:var(--blue);\r\n  color:#fff!important;\r\n  text-decoration:none!important;\r\n  font-size:14px;\r\n  font-weight:700;\r\n}\r\n\r\n#flowers-swp-calculator-v1 .fswp-cta-button.secondary{\r\n  border:1px solid var(--blue);\r\n  background:#fff;\r\n  color:var(--blue)!important;\r\n}\r\n\r\n\/* TABLET *\/\r\n\r\n@media(max-width:900px){\r\n\r\n  #flowers-swp-calculator-v1 .fswp-main{\r\n    grid-template-columns:1fr;\r\n  }\r\n\r\n}\r\n\r\n\/* MOBILE *\/\r\n\r\n@media(max-width:600px){\r\n\r\n  #flowers-swp-calculator-v1 .fswp-panel{\r\n    padding:16px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-title{\r\n    font-size:25px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-subtitle{\r\n    font-size:13px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-panel-title{\r\n    font-size:18px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-label-row{\r\n    flex-direction:row;\r\n    align-items:center;\r\n    gap:8px;\r\n    margin-bottom:6px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-label{\r\n    flex:1;\r\n    min-width:0;\r\n    font-size:13px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-input{\r\n    width:120px;\r\n    min-width:120px;\r\n    min-height:38px;\r\n    padding:6px 8px;\r\n    font-size:14px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-field{\r\n    margin-bottom:15px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-range{\r\n    height:8px;\r\n    margin-top:3px;\r\n    margin-bottom:5px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-range-labels{\r\n    font-size:10px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-result-grid{\r\n    grid-template-columns:1fr;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-result-value{\r\n    font-size:33px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-card{\r\n    padding:12px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-card-label{\r\n    font-size:11px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-card-value{\r\n    font-size:17px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-chart{\r\n    height:175px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-chart-note{\r\n    font-size:10px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-disclaimer{\r\n    font-size:10px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-cta{\r\n    padding:16px;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-cta-buttons{\r\n    flex-direction:column;\r\n  }\r\n\r\n  #flowers-swp-calculator-v1 .fswp-cta-button{\r\n    width:100%;\r\n  }\r\n\r\n}\r\n<\/style>\r\n\r\n\r\n<!-- HEADER -->\r\n\r\n<div class=\"fswp-header\">\r\n\r\n  <h2 class=\"fswp-title\">\r\n    \ud83d\udcb0 SWP Calculator\r\n  <\/h2>\r\n\r\n  <p class=\"fswp-subtitle\">\r\n    Estimate how your investment corpus could change while you withdraw a regular amount.\r\n  <\/p>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- MAIN -->\r\n\r\n<div class=\"fswp-main\">\r\n\r\n\r\n<!-- INPUTS -->\r\n\r\n<section class=\"fswp-panel\">\r\n\r\n  <h3 class=\"fswp-panel-title\">\r\n    Plan Your SWP\r\n  <\/h3>\r\n\r\n\r\n  <!-- INITIAL INVESTMENT -->\r\n\r\n  <div class=\"fswp-field\">\r\n\r\n    <div class=\"fswp-label-row\">\r\n\r\n      <label\r\n        class=\"fswp-label\"\r\n        for=\"fswp-investment\">\r\n        Initial Investment\r\n      <\/label>\r\n\r\n      <input\r\n        id=\"fswp-investment\"\r\n        class=\"fswp-input\"\r\n        type=\"text\"\r\n        inputmode=\"numeric\"\r\n        value=\"\u20b910,00,000\">\r\n\r\n    <\/div>\r\n\r\n    <input\r\n      id=\"fswp-investment-range\"\r\n      class=\"fswp-range\"\r\n      type=\"range\"\r\n      min=\"100000\"\r\n      max=\"50000000\"\r\n      step=\"10000\"\r\n      value=\"1000000\">\r\n\r\n    <div class=\"fswp-range-labels\">\r\n      <span>\u20b91 Lakh<\/span>\r\n      <span>\u20b95 Crore<\/span>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- RETURN -->\r\n\r\n  <div class=\"fswp-field\">\r\n\r\n    <div class=\"fswp-label-row\">\r\n\r\n      <label\r\n        class=\"fswp-label\"\r\n        for=\"fswp-return\">\r\n        Expected Annual Return\r\n      <\/label>\r\n\r\n      <input\r\n        id=\"fswp-return\"\r\n        class=\"fswp-input\"\r\n        type=\"text\"\r\n        inputmode=\"decimal\"\r\n        value=\"10%\">\r\n\r\n    <\/div>\r\n\r\n    <input\r\n      id=\"fswp-return-range\"\r\n      class=\"fswp-range\"\r\n      type=\"range\"\r\n      min=\"0\"\r\n      max=\"20\"\r\n      step=\"0.5\"\r\n      value=\"10\">\r\n\r\n    <div class=\"fswp-range-labels\">\r\n      <span>0%<\/span>\r\n      <span>20%<\/span>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- WITHDRAWAL -->\r\n\r\n  <div class=\"fswp-field\">\r\n\r\n    <div class=\"fswp-label-row\">\r\n\r\n      <label\r\n        class=\"fswp-label\"\r\n        for=\"fswp-withdrawal\">\r\n        Monthly Withdrawal\r\n      <\/label>\r\n\r\n      <input\r\n        id=\"fswp-withdrawal\"\r\n        class=\"fswp-input\"\r\n        type=\"text\"\r\n        inputmode=\"numeric\"\r\n        value=\"\u20b910,000\">\r\n\r\n    <\/div>\r\n\r\n    <input\r\n      id=\"fswp-withdrawal-range\"\r\n      class=\"fswp-range\"\r\n      type=\"range\"\r\n      min=\"1000\"\r\n      max=\"500000\"\r\n      step=\"1000\"\r\n      value=\"10000\">\r\n\r\n    <div class=\"fswp-range-labels\">\r\n      <span>\u20b91,000<\/span>\r\n      <span>\u20b95 Lakh<\/span>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- PERIOD -->\r\n\r\n  <div class=\"fswp-field\">\r\n\r\n    <div class=\"fswp-label-row\">\r\n\r\n      <label\r\n        class=\"fswp-label\"\r\n        for=\"fswp-years\">\r\n        Withdrawal Period\r\n      <\/label>\r\n\r\n      <input\r\n        id=\"fswp-years\"\r\n        class=\"fswp-input\"\r\n        type=\"text\"\r\n        inputmode=\"numeric\"\r\n        value=\"10 Years\">\r\n\r\n    <\/div>\r\n\r\n    <input\r\n      id=\"fswp-years-range\"\r\n      class=\"fswp-range\"\r\n      type=\"range\"\r\n      min=\"1\"\r\n      max=\"40\"\r\n      value=\"10\">\r\n\r\n    <div class=\"fswp-range-labels\">\r\n      <span>1 Year<\/span>\r\n      <span>40 Years<\/span>\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <button\r\n    type=\"button\"\r\n    class=\"fswp-calculate\"\r\n    id=\"fswp-calculate\">\r\n    Calculate My SWP\r\n  <\/button>\r\n\r\n  <div\r\n    class=\"fswp-status\"\r\n    id=\"fswp-status\"\r\n    aria-live=\"polite\">\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n\r\n<!-- RESULTS -->\r\n\r\n<section\r\n  class=\"fswp-panel fswp-result-panel\"\r\n  aria-live=\"polite\">\r\n\r\n  <div class=\"fswp-result-label\">\r\n    Estimated Remaining Corpus\r\n  <\/div>\r\n\r\n  <div\r\n    class=\"fswp-result-value\"\r\n    id=\"fswp-corpus\">\r\n    \u2014\r\n  <\/div>\r\n\r\n\r\n  <div class=\"fswp-result-grid\">\r\n\r\n    <div class=\"fswp-card\">\r\n\r\n      <div class=\"fswp-card-label\">\r\n        Initial Investment\r\n      <\/div>\r\n\r\n      <div\r\n        class=\"fswp-card-value\"\r\n        id=\"fswp-initial-result\">\r\n        \u2014\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"fswp-card\">\r\n\r\n      <div class=\"fswp-card-label\">\r\n        Total Withdrawals\r\n      <\/div>\r\n\r\n      <div\r\n        class=\"fswp-card-value\"\r\n        id=\"fswp-withdrawal-result\">\r\n        \u2014\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"fswp-card\">\r\n\r\n      <div class=\"fswp-card-label\">\r\n        Estimated Growth\r\n      <\/div>\r\n\r\n      <div\r\n        class=\"fswp-card-value\"\r\n        id=\"fswp-growth-result\">\r\n        \u2014\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"fswp-card\">\r\n\r\n      <div class=\"fswp-card-label\">\r\n        Withdrawal Period\r\n      <\/div>\r\n\r\n      <div\r\n        class=\"fswp-card-value\"\r\n        id=\"fswp-period-result\">\r\n        \u2014\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- CORPUS HEALTH -->\r\n\r\n  <div\r\n    class=\"fswp-health\"\r\n    id=\"fswp-health\">\r\n\r\n    <h4\r\n      class=\"fswp-health-title\"\r\n      id=\"fswp-health-title\">\r\n      \u2014\r\n    <\/h4>\r\n\r\n    <p\r\n      class=\"fswp-health-text\"\r\n      id=\"fswp-health-text\">\r\n    <\/p>\r\n\r\n  <\/div>\r\n\r\n\r\n  <!-- CHART -->\r\n\r\n  <div class=\"fswp-chart-wrap\">\r\n\r\n    <div class=\"fswp-chart-title\">\r\n      Estimated Corpus Over Time\r\n    <\/div>\r\n\r\n    <svg\r\n      id=\"fswp-chart\"\r\n      class=\"fswp-chart\"\r\n      viewBox=\"0 0 640 190\"\r\n      role=\"img\"\r\n      aria-label=\"Estimated SWP corpus over time\">\r\n    <\/svg>\r\n\r\n    <p class=\"fswp-chart-note\">\r\n      Illustrative projection based on the assumptions selected above. Actual investment returns may vary.\r\n    <\/p>\r\n\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n<\/div>\r\n\r\n\r\n<!-- DISCLAIMER -->\r\n\r\n<div class=\"fswp-disclaimer\">\r\n\r\n  <strong>Illustration only:<\/strong>\r\n  This calculator assumes monthly compounding and withdrawals at the end of each month.\r\n  Actual investment returns may vary and the value of investments can go up or down.\r\n  Mutual fund investments are subject to market risks and returns are not guaranteed.\r\n  This calculator is for educational purposes and does not constitute investment advice.\r\n\r\n<\/div>\r\n\r\n\r\n<!-- CTA -->\r\n\r\n<section class=\"fswp-cta\">\r\n\r\n  <h3 class=\"fswp-cta-title\">\r\n    \ud83c\udf38 Planning regular income from your investments?\r\n  <\/h3>\r\n\r\n  <p class=\"fswp-cta-text\">\r\n    We can help you understand different ways of planning withdrawals based on your\r\n    investment corpus, income needs and time horizon.\r\n  <\/p>\r\n\r\n  <div class=\"fswp-cta-buttons\">\r\n\r\n    <a\r\n      class=\"fswp-cta-button\"\r\n      href=\"\/contact\/\">\r\n      Talk to Flowers MFD\r\n    <\/a>\r\n\r\n    <a class=\"fswp-cta-button secondary\" href=\"https:\/\/wa.me\/919677738141\" target=\"_blank\" rel=\"noopener nofollow\">\r\n      Chat on WhatsApp\r\n    <\/a>\r\n\r\n  <\/div>\r\n\r\n<\/section>\r\n\r\n\r\n<script>\r\n(function(){\r\n\r\n\"use strict\";\r\n\r\n\r\nconst root =\r\n  document.getElementById(\r\n    \"flowers-swp-calculator-v1\"\r\n  );\r\n\r\n\r\nif(\r\n  !root ||\r\n  root.dataset.initialized === \"1\"\r\n){\r\n\r\n  return;\r\n\r\n}\r\n\r\n\r\nroot.dataset.initialized = \"1\";\r\n\r\n\r\nconst $ =\r\n  selector =>\r\n    root.querySelector(selector);\r\n\r\n\r\n\/* FIELDS *\/\r\n\r\nconst fields = {\r\n\r\n  investment:{\r\n    input:$(\"#fswp-investment\"),\r\n    range:$(\"#fswp-investment-range\"),\r\n    min:100000,\r\n    max:50000000\r\n  },\r\n\r\n  returnRate:{\r\n    input:$(\"#fswp-return\"),\r\n    range:$(\"#fswp-return-range\"),\r\n    min:0,\r\n    max:20\r\n  },\r\n\r\n  withdrawal:{\r\n    input:$(\"#fswp-withdrawal\"),\r\n    range:$(\"#fswp-withdrawal-range\"),\r\n    min:1000,\r\n    max:500000\r\n  },\r\n\r\n  years:{\r\n    input:$(\"#fswp-years\"),\r\n    range:$(\"#fswp-years-range\"),\r\n    min:1,\r\n    max:40\r\n  }\r\n\r\n};\r\n\r\n\r\n\/* HELPERS *\/\r\n\r\nfunction clamp(\r\n  value,\r\n  min,\r\n  max\r\n){\r\n\r\n  return Math.min(\r\n    max,\r\n    Math.max(\r\n      min,\r\n      value\r\n    )\r\n  );\r\n\r\n}\r\n\r\n\r\nfunction numberFrom(\r\n  value\r\n){\r\n\r\n  if(\r\n    typeof value !== \"string\"\r\n  ){\r\n\r\n    return NaN;\r\n\r\n  }\r\n\r\n  return Number(\r\n    value\r\n      .replace(\/,\/g,\"\")\r\n      .replace(\/[\u20b9%a-zA-Z\\s]\/g,\"\")\r\n  );\r\n\r\n}\r\n\r\n\r\nfunction money(\r\n  value\r\n){\r\n\r\n  if(\r\n    !Number.isFinite(value)\r\n  ){\r\n\r\n    return \"\u20b90\";\r\n\r\n  }\r\n\r\n  return (\r\n    \"\u20b9\" +\r\n    Math.round(value)\r\n      .toLocaleString(\"en-IN\")\r\n  );\r\n\r\n}\r\n\r\n\r\nfunction percent(\r\n  value\r\n){\r\n\r\n  const n =\r\n    Number(value);\r\n\r\n  return (\r\n    Number.isInteger(n)\r\n      ? n\r\n      : n.toFixed(1)\r\n  ) + \"%\";\r\n\r\n}\r\n\r\n\r\nfunction setField(\r\n  key,\r\n  value\r\n){\r\n\r\n  const f =\r\n    fields[key];\r\n\r\n\r\n  value =\r\n    clamp(\r\n      Number(value),\r\n      f.min,\r\n      f.max\r\n    );\r\n\r\n\r\n  f.range.value =\r\n    String(value);\r\n\r\n\r\n  if(\r\n    key === \"investment\" ||\r\n    key === \"withdrawal\"\r\n  ){\r\n\r\n    f.input.value =\r\n      money(value);\r\n\r\n  }\r\n  else if(\r\n    key === \"returnRate\"\r\n  ){\r\n\r\n    f.input.value =\r\n      percent(value);\r\n\r\n  }\r\n  else{\r\n\r\n    f.input.value =\r\n      Math.round(value) +\r\n      \" Years\";\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n\/* RANGE \u2194 INPUT *\/\r\n\r\nObject.keys(fields)\r\n.forEach(\r\n  function(key){\r\n\r\n    const f =\r\n      fields[key];\r\n\r\n\r\n    f.range.addEventListener(\r\n      \"input\",\r\n      function(){\r\n\r\n        setField(\r\n          key,\r\n          this.value\r\n        );\r\n\r\n      }\r\n    );\r\n\r\n\r\n    f.input.addEventListener(\r\n      \"focus\",\r\n      function(){\r\n\r\n        this.select();\r\n\r\n      }\r\n    );\r\n\r\n\r\n    f.input.addEventListener(\r\n      \"blur\",\r\n      function(){\r\n\r\n        const n =\r\n          numberFrom(\r\n            this.value\r\n          );\r\n\r\n\r\n        if(\r\n          Number.isFinite(n)\r\n        ){\r\n\r\n          setField(\r\n            key,\r\n            n\r\n          );\r\n\r\n        }\r\n        else{\r\n\r\n          setField(\r\n            key,\r\n            f.range.value\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    f.input.addEventListener(\r\n      \"keydown\",\r\n      function(event){\r\n\r\n        if(\r\n          event.key === \"Enter\"\r\n        ){\r\n\r\n          event.preventDefault();\r\n\r\n          this.blur();\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n  }\r\n);\r\n\r\n\r\n\/*\r\nMonthly rate.\r\n\r\nThe annual expected return is converted\r\nto an equivalent monthly compound rate.\r\n*\/\r\n\r\nfunction monthlyRate(\r\n  annual\r\n){\r\n\r\n  if(\r\n    annual === 0\r\n  ){\r\n\r\n    return 0;\r\n\r\n  }\r\n\r\n\r\n  return Math.pow(\r\n    1 + annual,\r\n    1 \/ 12\r\n  ) - 1;\r\n\r\n}\r\n\r\n\r\n\/*\r\nCALCULATE SWP\r\n\r\nEach month:\r\n\r\n1. Corpus earns the monthly return.\r\n2. Monthly withdrawal is made.\r\n\r\nThis means withdrawal occurs\r\nat the END of each month.\r\n*\/\r\n\r\nfunction calculate(){\r\n\r\n  const initial =\r\n    numberFrom(\r\n      fields.investment.input.value\r\n    );\r\n\r\n\r\n  const annualReturn =\r\n    numberFrom(\r\n      fields.returnRate.input.value\r\n    ) \/ 100;\r\n\r\n\r\n  const withdrawal =\r\n    numberFrom(\r\n      fields.withdrawal.input.value\r\n    );\r\n\r\n\r\n  const years =\r\n    Number(\r\n      fields.years.range.value\r\n    );\r\n\r\n\r\n  if(\r\n    !Number.isFinite(initial) ||\r\n    initial <= 0\r\n  ){\r\n\r\n    return {\r\n      error:\r\n        \"Please enter a valid investment amount.\"\r\n    };\r\n\r\n  }\r\n\r\n\r\n  if(\r\n    !Number.isFinite(withdrawal) ||\r\n    withdrawal <= 0\r\n  ){\r\n\r\n    return {\r\n      error:\r\n        \"Please enter a valid monthly withdrawal.\"\r\n    };\r\n\r\n  }\r\n\r\n\r\n  const months =\r\n    years * 12;\r\n\r\n\r\n  const rate =\r\n    monthlyRate(\r\n      annualReturn\r\n    );\r\n\r\n\r\n  let corpus =\r\n    initial;\r\n\r\n\r\n  let totalWithdrawals =\r\n    0;\r\n\r\n\r\n  const points = [\r\n\r\n    {\r\n      month:0,\r\n      corpus:initial\r\n    }\r\n\r\n  ];\r\n\r\n\r\n  let exhaustedMonth =\r\n    null;\r\n\r\n\r\n  for(\r\n    let month = 1;\r\n    month <= months;\r\n    month++\r\n  ){\r\n\r\n    \/*\r\n    Growth first.\r\n    *\/\r\n\r\n    corpus =\r\n      corpus *\r\n      (1 + rate);\r\n\r\n\r\n    \/*\r\n    Withdrawal at end of month.\r\n    *\/\r\n\r\n    const actualWithdrawal =\r\n      Math.min(\r\n        withdrawal,\r\n        Math.max(\r\n          0,\r\n          corpus\r\n        )\r\n      );\r\n\r\n\r\n    corpus -=\r\n      actualWithdrawal;\r\n\r\n\r\n    totalWithdrawals +=\r\n      actualWithdrawal;\r\n\r\n\r\n    points.push({\r\n\r\n      month,\r\n\r\n      corpus:\r\n        Math.max(\r\n          0,\r\n          corpus\r\n        )\r\n\r\n    });\r\n\r\n\r\n    if(\r\n      corpus <= 0\r\n    ){\r\n\r\n      exhaustedMonth =\r\n        month;\r\n\r\n      break;\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  const finalCorpus =\r\n    Math.max(\r\n      0,\r\n      corpus\r\n    );\r\n\r\n\r\n  \/*\r\n  Estimated growth is:\r\n\r\n  Total withdrawals\r\n  + final corpus\r\n  - initial investment\r\n  *\/\r\n\r\n  const estimatedGrowth =\r\n    Math.max(\r\n      0,\r\n      totalWithdrawals +\r\n      finalCorpus -\r\n      initial\r\n    );\r\n\r\n\r\n  return {\r\n\r\n    initial,\r\n\r\n    annualReturn,\r\n\r\n    withdrawal,\r\n\r\n    years,\r\n\r\n    months,\r\n\r\n    totalWithdrawals,\r\n\r\n    finalCorpus,\r\n\r\n    estimatedGrowth,\r\n\r\n    points,\r\n\r\n    exhaustedMonth\r\n\r\n  };\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\nfunction drawChart(\r\n  data\r\n){\r\n\r\n  const W = 640;\r\n\r\n  const H = 190;\r\n\r\n  const L = 48;\r\n\r\n  const R = 15;\r\n\r\n  const T = 20;\r\n\r\n  const B = 30;\r\n\r\n\r\n  const PW =\r\n    W - L - R;\r\n\r\n  const PH =\r\n    H - T - B;\r\n\r\n\r\n  const maxValue =\r\n    Math.max(\r\n      data.initial,\r\n      ...data.points.map(\r\n        p => p.corpus\r\n      ),\r\n      1\r\n    );\r\n\r\n\r\n  const x =\r\n    month =>\r\n      L +\r\n      (\r\n        month \/\r\n        data.months\r\n      ) *\r\n      PW;\r\n\r\n\r\n  const y =\r\n    value =>\r\n      T +\r\n      PH -\r\n      (\r\n        value \/\r\n        maxValue\r\n      ) *\r\n      PH;\r\n\r\n\r\n  const path =\r\n    data.points\r\n      .map(\r\n        function(\r\n          p,\r\n          index\r\n        ){\r\n\r\n          return (\r\n            index === 0\r\n              ? \"M\"\r\n              : \"L\"\r\n          ) +\r\n          \" \" +\r\n          x(\r\n            p.month\r\n          ).toFixed(2) +\r\n          \" \" +\r\n          y(\r\n            p.corpus\r\n          ).toFixed(2);\r\n\r\n        }\r\n      )\r\n      .join(\" \");\r\n\r\n\r\n  const endPoint =\r\n    data.points[\r\n      data.points.length - 1\r\n    ];\r\n\r\n\r\n  $(\"#fswp-chart\")\r\n    .innerHTML = `\r\n\r\n      <line\r\n        x1=\"${L}\"\r\n        y1=\"${T+PH}\"\r\n        x2=\"${W-R}\"\r\n        y2=\"${T+PH}\"\r\n        stroke=\"#dce7f1\"\r\n        stroke-width=\"1\"\/>\r\n\r\n      <line\r\n        x1=\"${L}\"\r\n        y1=\"${T+PH\/2}\"\r\n        x2=\"${W-R}\"\r\n        y2=\"${T+PH\/2}\"\r\n        stroke=\"#edf2f6\"\r\n        stroke-width=\"1\"\/>\r\n\r\n      <path\r\n        d=\"${path}\"\r\n        fill=\"none\"\r\n        stroke=\"#0066d6\"\r\n        stroke-width=\"3\"\/>\r\n\r\n      <circle\r\n        cx=\"${x(endPoint.month)}\"\r\n        cy=\"${y(endPoint.corpus)}\"\r\n        r=\"4\"\r\n        fill=\"#0066d6\"\/>\r\n\r\n      <text\r\n        x=\"${L}\"\r\n        y=\"${H-8}\"\r\n        fill=\"#66788a\"\r\n        font-size=\"11\">\r\n        Start\r\n      <\/text>\r\n\r\n      <text\r\n        x=\"${W-R}\"\r\n        y=\"${H-8}\"\r\n        text-anchor=\"end\"\r\n        fill=\"#66788a\"\r\n        font-size=\"11\">\r\n        ${data.exhaustedMonth\r\n          ? \"Corpus exhausted\"\r\n          : \"End of period\"}\r\n      <\/text>\r\n\r\n      <text\r\n        x=\"${L}\"\r\n        y=\"13\"\r\n        fill=\"#66788a\"\r\n        font-size=\"11\">\r\n        Estimated corpus\r\n      <\/text>\r\n\r\n    `;\r\n\r\n}\r\n\r\n\r\n\/* RENDER *\/\r\n\r\nfunction render(\r\n  data\r\n){\r\n\r\n  if(\r\n    data.error\r\n  ){\r\n\r\n    $(\"#fswp-status\")\r\n      .textContent =\r\n      data.error;\r\n\r\n    return;\r\n\r\n  }\r\n\r\n\r\n  $(\"#fswp-status\")\r\n    .textContent =\r\n    \"\";\r\n\r\n\r\n  $(\"#fswp-corpus\")\r\n    .textContent =\r\n    money(\r\n      data.finalCorpus\r\n    );\r\n\r\n\r\n  $(\"#fswp-initial-result\")\r\n    .textContent =\r\n    money(\r\n      data.initial\r\n    );\r\n\r\n\r\n  $(\"#fswp-withdrawal-result\")\r\n    .textContent =\r\n    money(\r\n      data.totalWithdrawals\r\n    );\r\n\r\n\r\n  $(\"#fswp-growth-result\")\r\n    .textContent =\r\n    money(\r\n      data.estimatedGrowth\r\n    );\r\n\r\n\r\n  $(\"#fswp-period-result\")\r\n    .textContent =\r\n    data.years +\r\n    (\r\n      data.years === 1\r\n        ? \" year\"\r\n        : \" years\"\r\n    );\r\n\r\n\r\n  const health =\r\n    $(\"#fswp-health\");\r\n\r\n\r\n  if(\r\n    data.exhaustedMonth\r\n  ){\r\n\r\n    health.className =\r\n      \"fswp-health warning\";\r\n\r\n\r\n    $(\"#fswp-health-title\")\r\n      .textContent =\r\n      \"\u26a0\ufe0f Corpus may be exhausted before the selected period\";\r\n\r\n\r\n    const exhaustedYears =\r\n      Math.floor(\r\n        data.exhaustedMonth \/ 12\r\n      );\r\n\r\n\r\n    const remainingMonths =\r\n      data.exhaustedMonth % 12;\r\n\r\n\r\n    let durationText =\r\n      \"\";\r\n\r\n\r\n    if(\r\n      exhaustedYears > 0\r\n    ){\r\n\r\n      durationText +=\r\n        exhaustedYears +\r\n        (\r\n          exhaustedYears === 1\r\n            ? \" year\"\r\n            : \" years\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    if(\r\n      remainingMonths > 0\r\n    ){\r\n\r\n      if(\r\n        durationText\r\n      ){\r\n\r\n        durationText +=\r\n          \" and \";\r\n\r\n      }\r\n\r\n\r\n      durationText +=\r\n        remainingMonths +\r\n        (\r\n          remainingMonths === 1\r\n            ? \" month\"\r\n            : \" months\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    $(\"#fswp-health-text\")\r\n      .textContent =\r\n      \"At the selected withdrawal and return assumptions, the projected corpus reaches zero after approximately \" +\r\n      durationText +\r\n      \".\";\r\n\r\n  }\r\n  else{\r\n\r\n    health.className =\r\n      \"fswp-health good\";\r\n\r\n\r\n    $(\"#fswp-health-title\")\r\n      .textContent =\r\n      \"\ud83d\udfe2 Corpus remains at the end of the selected period\";\r\n\r\n\r\n    $(\"#fswp-health-text\")\r\n      .textContent =\r\n      \"Based on the assumptions selected, the projected corpus is not exhausted during the withdrawal period.\";\r\n\r\n  }\r\n\r\n\r\n  drawChart(\r\n    data\r\n  );\r\n\r\n}\r\n\r\n\r\n\/* BUTTON *\/\r\n\r\n$(\"#fswp-calculate\")\r\n  .addEventListener(\r\n    \"click\",\r\n    function(){\r\n\r\n      render(\r\n        calculate()\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n})();\r\n<\/script>\r\n\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>&#x1f4b0; SWP Calculator Estimate how your investment corpus could change while you withdraw a regular amount. Plan Your SWP Initial Investment \u20b91 Lakh \u20b95 Crore Expected Annual Return 0% 20% Monthly Withdrawal \u20b91,000 \u20b95 Lakh Withdrawal Period 1 Year 40 Years Calculate My SWP Estimated Remaining Corpus \u2014 Initial Investment \u2014 Total Withdrawals \u2014 Estimated [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12755","page","type-page","status-publish","hentry"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"boopathi.giri","author_link":"https:\/\/www.flowersmfd.in\/ta\/author\/boopathi-giri\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"&#x1f4b0; SWP Calculator Estimate how your investment corpus could change while you withdraw a regular amount. Plan Your SWP Initial Investment \u20b91 Lakh \u20b95 Crore Expected Annual Return 0% 20% Monthly Withdrawal \u20b91,000 \u20b95 Lakh Withdrawal Period 1 Year 40 Years Calculate My SWP Estimated Remaining Corpus \u2014 Initial Investment \u2014 Total Withdrawals \u2014 Estimated&hellip;","_links":{"self":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/comments?post=12755"}],"version-history":[{"count":3,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12755\/revisions"}],"predecessor-version":[{"id":12760,"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/pages\/12755\/revisions\/12760"}],"wp:attachment":[{"href":"https:\/\/www.flowersmfd.in\/ta\/wp-json\/wp\/v2\/media?parent=12755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}