SWP Calculator

Simulate your Systematic Withdrawal Plan (SWP) for regular retirement income. Calculate monthly cash flows, assess Safe Withdrawal Rates (SWR), and track year-by-year portfolio longevity with inflation adjustments.

💰 SWP Parameters

Total Corpus (₹) ₹1,00,00,000

₹

₹25 Lakhs ₹50 Lakhs ₹1 Crore ₹2 Crores

Monthly Withdrawal (₹) ₹50,000

₹

₹20,000 ₹35,000 ₹50,000 ₹1,00,000

Expected Return Rate (% p.a.) 8.5%

7% (Debt / Conservative) 8.5% (Balanced Hybrid) 10% (Equity Hybrid)

Withdrawal Period (Years) 20 Years

Years

10 Yrs 15 Yrs 20 Yrs 25 Yrs 30 Yrs

Annual Withdrawal Step-Up (%) 5% Step-Up

0% (Flat) 3% 5% (Recommended) 7%

Simulate annual inflation increases to preserve true living purchasing power.

TOTAL INVESTED

₹1,00,00,000

Initial principal corpus

TOTAL WITHDRAWN

₹1,98,39,572

Cumulative cash payouts

FINAL BALANCE

₹86,45,210

Corpus at year 20

🛡️

Safe Withdrawal Rate: 6.0% p.a.

Your initial withdrawal rate is within sustainable thresholds. Your corpus is projected to comfortably survive the entire 20-year period!

Cash Withdrawn vs Remaining Corpus Withdrawn: 70% | Balance: 30%

70% Withdrawn

30% Balance

📅 Year-by-Year SWP Schedule

Annual Breakdown

Year	Monthly SWP	Annual Payout	Interest Gained	Year-End Balance

🛡️ The 4% Rule in India

The famous US Trinity Study recommends a 4% withdrawal rate. In India, because long-term inflation averages 6% to 7%, financial planners recommend an initial SWP rate between 3.5% and 4.5% backed by a balanced equity-debt asset allocation.

⚖️ SWP vs Dividend vs Fixed Deposit

Bank FD interest and stock dividends are taxed at your full income slab rate (up to 39%). In contrast, an SWP redemptions treats only the capital gains portion as income, meaning your capital component is 100% tax-free.

🧾 Mutual Fund SWP Taxation

Under Budget 2024 tax rules, Long-Term Capital Gains (LTCG) on Equity Mutual Funds held over 1 year are taxed at 12.5% on gains exceeding ₹1.25 Lakhs per year. Debt mutual fund SWPs are taxed at your personal slab rate.