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SWP Calculator India – Systematic Withdrawal Plan

SWP Calculator – Advanced Systematic Withdrawal Plan

Plan retirement income with inflation-adjusted withdrawals.

₹ 0

Remaining Corpus

Total Withdrawn:

Fixed SWP Ending Corpus:

What is SWP (Systematic Withdrawal Plan)?

SWP allows investors to withdraw fixed income periodically from mutual fund investments while the remaining corpus continues earning returns. It is widely used in retirement planning and passive income strategy.

How This SWP Calculator Works

This calculator deducts monthly withdrawal, applies expected monthly returns, and optionally increases withdrawal every year to adjust for inflation. It simulates full duration to estimate sustainability.

SWP vs Fixed Deposit vs Dividend Income

Feature SWP Fixed Deposit Dividend
Regular Income Yes Yes Uncertain
Capital Growth Yes No Limited
Inflation Adjustment Possible No No
Tax Efficiency Better Lower Moderate

Safe Withdrawal Rate in India

Financial planners generally consider 3%–4% annual withdrawal sustainable for long-term retirement corpus preservation.

Frequently Asked Questions

Is SWP better than FD?
SWP can provide inflation-adjusted income and potential capital growth compared to traditional fixed deposits.

What is a safe withdrawal rate?
3%–4% annually is commonly considered sustainable.

Can SWP exhaust corpus?
Yes, if withdrawal rate is high or returns are low.

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