💰 Advanced SWP Calculator with Inflation & Step-up Analysis

Calculate your Systematic Withdrawal Plan returns with step-up withdrawals, inflation adjustment, and detailed corpus depletion analysis. Plan your retirement income and ensure your savings last as long as you need them.

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Corpus Tracking

Monitor how your corpus depletes over time with withdrawals

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Step-up Withdrawals

Plan increasing withdrawals to beat inflation

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Longevity Analysis

See exactly how long your corpus will last

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Retirement Planning

Perfect for retirement income planning and pension calculation

How to Use the SWP Calculator?

Enter your initial corpus, monthly withdrawal amount, expected return rate, and other parameters to calculate your systematic withdrawal plan.

Initial Corpus Amount (₹) The total amount you have saved for withdrawal

Monthly Withdrawal Amount (₹) Amount you want to withdraw every month

Expected Annual Return Rate (%) Expected annual return on your remaining corpus

Expected Inflation Rate (% per annum) Average inflation rate for real purchasing power calculation

Annual Withdrawal Step-up Rate (% per annum) Percentage by which you'll increase your withdrawal amount every year

Analysis Period (Years): 20

1 Year 50 Years

Period for which you want to analyze the withdrawal plan

What is SWP (Systematic Withdrawal Plan)?

A Systematic Withdrawal Plan (SWP) is a facility that allows you to withdraw a fixed or variable amount from your investment corpus at regular intervals. It's the opposite of SIP and is commonly used for:

🎯 Key Features of SWP

Regular Income: Generate steady monthly income from your investments
Corpus Preservation: Remaining amount continues to grow with market returns
Flexibility: Can be started, stopped, or modified as per requirements
Tax Efficiency: Only withdrawn amount is subject to taxation

📈 Step-up SWP Benefits

Inflation Protection: Increase withdrawals annually to maintain purchasing power
Longevity Planning: Better alignment with increasing expenses over time
Wealth Preservation: Helps maintain lifestyle in retirement

SWP vs Fixed Deposits vs Annuities

📊 Comparison Matrix

SWP: Market-linked returns, flexible withdrawals, tax-efficient
Fixed Deposits: Fixed returns, complete capital safety, fully taxable
Annuities: Guaranteed income, no market risk, limited liquidity

Important Considerations

Market Risk: Returns are subject to market fluctuations
Withdrawal Rate: Higher withdrawal rates can exhaust corpus faster
Asset Allocation: Balanced portfolio helps in sustainable withdrawals
Emergency Fund: Keep separate emergency corpus outside SWP

💡 Pro Tips for SWP

Safe Withdrawal Rate: The 4% rule suggests withdrawing no more than 4% annually from your corpus. Our calculator helps you find the optimal withdrawal rate based on your specific situation and expected returns.

🎯 Retirement Planning Strategy

SWP is ideal for retirees who want regular income while keeping their corpus invested. Combine it with other income sources like pension, rental income, and emergency funds for comprehensive retirement planning.