💸 系统性提款计划 SWP 计算器SWP Calculator (Systematic Withdrawal Plan)
输入一次性投资金额、每月提取金额和预期年回报率，计算系统性提款计划（SWP）在若干年后的剩余金额、累计提取额，以及资金能撑多久。See what a Systematic Withdrawal Plan leaves after a number of years: enter the lump sum, the monthly withdrawal and the expected return to get the final balance, total withdrawn and how long the money lasts.
使用说明与常见问题How-to & FAQ
「系统性提款计划 SWP 计算器」是什么？What is the SWP Calculator (Systematic Withdrawal Plan) tool?
输入一次性投资金额、每月提取金额和预期年回报率，计算系统性提款计划（SWP）在若干年后的剩余金额、累计提取额，以及资金能撑多久。See what a Systematic Withdrawal Plan leaves after a number of years: enter the lump sum, the monthly withdrawal and the expected return to get the final balance, total withdrawn and how long the money lasts.
如何使用「系统性提款计划 SWP 计算器」？How do I use the SWP Calculator (Systematic Withdrawal Plan) tool?
在「系统性提款计划 SWP 计算器」中，填写「初始投资」、「每月提取」、「预期年回报率 %」、「期限（年）」等参数，结果会随输入实时计算并显示在下方。In the SWP Calculator (Systematic Withdrawal Plan): Fill in "Initial investment", "Monthly withdrawal", "Expected annual return %", "Period (years)"; results are recalculated instantly as you type.
SWP 是什么？What is an SWP?
系统性提款计划（Systematic Withdrawal Plan）是印度共同基金常见的功能：一次性投入后，每月按固定金额赎回，适合退休后获取稳定现金流。A Systematic Withdrawal Plan, common with Indian mutual funds, redeems a fixed amount from a lump-sum investment every month — a way to draw a steady retirement income.
计算方法？How is it calculated?
每月先按 年回报率 ÷ 12 计息，再减去当月提取额；余额不足时提取剩余全部并停止。未考虑税费、退出费和收益波动。Each month the balance earns annual return ÷ 12, then the withdrawal is taken; when the balance is too small the remainder is withdrawn and the plan stops. Taxes, exit loads and volatility are ignored.
SWP 怎么交税？How are SWP withdrawals taxed?
每次赎回只有收益部分需要缴纳资本利得税，按持有期限区分长期或短期，具体以印度现行税法为准。Only the gain portion of each redemption is taxed as capital gains, long- or short-term depending on the holding period — check India's current tax rules.
计算结果可以作为最终依据吗？Can I rely on the result?
「系统性提款计划 SWP 计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The SWP Calculator (Systematic Withdrawal Plan) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「系统性提款计划 SWP 计算器」免费吗？需要注册吗？Is the SWP Calculator (Systematic Withdrawal Plan) free? Do I need an account?
「系统性提款计划 SWP 计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The SWP Calculator (Systematic Withdrawal Plan) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.