SWP Calculator - Life of Retirement

💰 SWP Calculator

Turn Your Investment Corpus Into Regular Monthly Income

💼 Total Investment Corpus (₹)

💳 Monthly Withdrawal Amount (₹)

📈 Expected Annual Return (%) 6% (Conservative - Debt Funds) 8% (Balanced - Hybrid Funds) 10% (Growth - Equity Funds) 12% (Aggressive - Equity Funds)

📊 Expected Inflation Rate (%) 4% (Low Inflation) 6% (Average Inflation) 8% (High Inflation)

📊 Different Withdrawal Strategies

💡 Smart SWP Strategies

🎯 4% Rule

Withdraw only 4% annually from your corpus to ensure it lasts 25+ years with inflation adjustment.

🔄 Flexible Withdrawals

Start with lower withdrawals and increase gradually as your corpus grows with market returns.

📈 Growth + Income

Keep 60-70% in equity funds for growth and 30-40% in debt for stability during withdrawals.

⏰ Timing Matters

Start SWP when markets are relatively high to maximize your corpus longevity.

🛡️ Emergency Buffer

Keep 2-3 years expenses separate from SWP corpus as emergency fund.

📅 Review Annually

Review and adjust withdrawal amounts based on portfolio performance and life changes.