What is a Systematic Withdrawal Plan (SWP)?

SWP lets you withdraw a fixed amount at regular intervals from your mutual fund investments to create a monthly pension-like income while the remaining corpus stays invested.

How do I calculate a safe SWP amount?

A common rule is withdrawing 3-4% of your corpus per year (inflation-adjusted). Enter your corpus, monthly withdrawal, expected return, and inflation to see how many years it lasts.

Does the SWP calculator include inflation?

Yes. Set a withdrawal inflation rate to see how rising expenses affect your corpus depletion timeline and sustainability.

Can SWP replace a pension?

Yes. SWP can create a pension-like monthly income while keeping your investments growing. Ensure the withdrawal rate is sustainable for 25-30 years of retirement.

Systematic Withdrawal Plan

SWP calculator online with inflation adjustment

Estimate how many years your retirement corpus lasts with an inflation-adjusted SWP calculator. Model monthly pension withdrawals, expected return, and rising expenses to plan sustainable cash flows.

SWP calculator with inflation · sustainable withdrawal tracker

Default monthly withdrawal

₹50,000

Corpus last seen for 25-30 year goals

Return vs. inflation guidance

+2% to +3%

Keep returns above inflation for safety

SWP calculator with inflation

Online & free

No sign-up or email capture

Inflation-aware SWP calculator

Plan monthly withdrawals that rise with expenses. See a year-by-year corpus balance and depletion timeline.

Systematic Withdrawal Plan guidance

Use 3-4% annual withdrawal as a starting point and tweak based on your risk profile and post-retirement asset mix.

Retirement income focus

Model monthly pension style cash flows from mutual funds or ETFs while keeping the corpus invested.

Share-ready

Copy link or share on WhatsApp after adjusting your SWP inputs to discuss with family or advisors.

How to use the SWP calculator

1Enter retirement corpus you have accumulated.
2Set monthly withdrawal for your expenses.
3Add expected annual return during retirement.
4Turn on withdrawal inflation to keep pace with prices.
5Review depletion timeline and adjust withdrawals to target 25-30 years.

Why use this SWP calculator online?

Inflation-adjusted pension planning

Project withdrawals that rise each year so purchasing power stays intact.

Instant depletion timeline

See how many years the corpus lasts based on return, inflation, and withdrawal amount.

Sustainable withdrawal tips

Keep returns 2-3% above inflation and target a 3-4% annual withdrawal for longevity.

Retirement + SIP link

Use with SIP calculator to build corpus, then switch to SWP for monthly income.

Frequently asked questions

Is SWP safer than a fixed pension?

SWP keeps your money invested and flexible. Returns can vary, so pick conservative assumptions and rebalance annually.

What inflation rate should I use?

Many retirees model 5-6% inflation for expenses in India. If health or lifestyle costs rise faster, increase this number.

What if the corpus depletes early?

Reduce withdrawals by 10-15%, work a few more years to add corpus, or shift to a slightly higher equity allocation for growth.

Can I stop or change SWP anytime?

Yes. You can pause, increase, or reduce SWP amounts based on market conditions or expense changes.