SWP Calculator
SWP lets you turn your retirement corpus into regular monthly income. Withdraw a fixed amount each month while the rest keeps growing.
Your SWP Setup
Turn your savings into regular income
Conservative debt funds: 6-8% | Balanced funds: 8-10% | Equity: 10-12%
Your SWP Results
Making Your Money Last in Retirement
SWPs are popular for a reason - they give you regular income while letting the rest of your money keep growing. The key is picking a withdrawal rate that's sustainable. Financial planners often suggest the 4% rule: withdraw 4% of your corpus in your first year of retirement, then adjust for inflation each year after. That's designed to make your money last 30 years.
If you want to leave money for your kids or be extra safe, aim for 3-3.5% instead. If you're okay with spending down your principal (or don't have kids to leave money to), you can withdraw more - just know your money won't last as long.
The 4% Rule Explained
Year 1 Withdrawal = Corpus × 0.04
Example: ₹1 Crore corpus → ₹40,000 per month first year (₹4.8 lakh annual)
Then increase by inflation (say 6%) each year: Year 2: ₹42,400/month, Year 3: ₹44,944/month, etc.
This strategy has historically worked 95% of the time for 30-year retirements.
Frequently Asked Questions
About the SWP Calculator
SWP lets you turn your retirement corpus into regular monthly income. Withdraw a fixed amount each month while the rest keeps growing.
Formula
Reference Table
| Category | Value |
|---|---|
| Corpus | Monthly (4%) |
| ₹50L | ₹16,667 |
| ₹1Cr | ₹33,333 |
| ₹2Cr | ₹66,667 |