SWP Calculator with Inflation

SWP details

Initial corpus

₹

Monthly withdrawal

₹

Expected annual return

Annual inflation (step-up)

Set to 0 for a flat withdrawal. 6% raises the monthly amount once a year so income keeps pace with prices.

Corpus lasts for

0 months

How this SWP calculator works

A Systematic Withdrawal Plan (SWP) lets you take a fixed amount each month from a lump-sum corpus while the rest stays invested. Each month the balance can grow, then the withdrawal comes out.

Turn on inflation to raise the withdrawal once a year so income keeps up with prices. That is useful for retirement planning in India and for similar drawdown plans in the USA or Canada.

Month-end balance = (previous balance × (1 + r)) − withdrawal
r = expected annual return / 12 • withdrawal can step up with inflation each year

How to use this calculator

Enter your starting corpus and the monthly withdrawal you need.
Set an expected annual return for the remaining invested money.
Optionally add inflation so withdrawals rise each year. Read how many months the money lasts and what balance remains.

Worked example

Example: ₹50,00,000 corpus, ₹30,000 monthly withdrawal, 9% expected return. Without inflation the corpus lasts longer; with 5% inflation on withdrawals, money runs out sooner.

For a US or Canadian retirement drawdown, enter the same structure in your currency. Local tax on withdrawals is separate and not calculated here.

When this helps

Helpful for retirees and anyone planning regular income from mutual funds or a invested nest egg.

What this does not cover

Market falls, tax on capital gains and fund rules can change the real outcome. Use this as a cash-flow sketch, then talk to a qualified adviser for a full plan.

Related guide

Read A simple mutual fund SIP checklist. Build a corpus with clear goals first, then use SWP to sketch withdrawals.

Why use it

Detailed features

Retirement income

Plan a systematic withdrawal plan from your mutual fund or retirement corpus.

Inflation step-up

Raise monthly withdrawals every year so income keeps up with prices.

Depletion timeline

See how many months the corpus lasts and the remaining balance.

Any currency math

Same formula for India SWP, or USD/CAD retirement withdrawals.

Frequently asked questions

SWP means Systematic Withdrawal Plan. You invest a lump sum and withdraw a fixed amount regularly while the rest stays invested. Retirees often use it for monthly income.

It depends on starting corpus, monthly withdrawal, expected return and inflation. This SWP calculator projects the balance each month until the money runs out or 20+ years if it can sustain.

Yes. Enter an annual inflation rate to step up the monthly withdrawal once a year. Set inflation to 0 if you want a flat systematic withdrawal plan.

With a real mutual fund SWP you can usually change, pause or stop withdrawals through the AMC or platform. This tool only estimates how long a chosen amount lasts.

SWP from debt or hybrid funds may offer flexible tax treatment but carries market and credit risk. FD gives fixed assured interest up to deposit insurance limits. Compare post-tax income with your CA.

You sell more units when NAV is low, which can shrink the corpus faster. Keeping 1 to 2 years expenses in liquid or arbitrage funds can reduce forced sales in a downturn.

Each withdrawal can have capital gains component depending on fund type and holding period. Rules differ for equity and debt funds. This tool does not compute tax.

This is a projection tool only. Build a full retirement plan with inflation, medical costs and professional advice before you depend on SWP alone.

SWP is the Indian mutual-fund name for a systematic withdrawal plan. In the US and Canada people use retirement withdrawal rates or the 4% rule. Enter the same numbers here - the formula does not depend on currency.

Yes. Free SWP calculator on Toolance, no registration.