SWP Calculator
Plan your Systematic Withdrawal Plan. See how long your corpus lasts at a given monthly withdrawal rate, and how returns offset withdrawals.
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Frequently Asked Questions
Quick answers to common questions
What is SWP?+
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals while the remaining corpus continues to earn returns.
How do I plan an SWP for retirement?+
First estimate your monthly expenses adjusted for inflation. Then calculate the corpus needed using SWP reverse calculation: ensure your withdrawal rate is below the expected return rate so the corpus does not deplete quickly.
What is a safe withdrawal rate?+
A commonly cited safe withdrawal rate is 4% annually (the "4% rule"). At 8% expected returns with 4% inflation, withdrawing ~4% annually theoretically sustains your corpus indefinitely.