SWP Calculator with Inflation | Systematic Withdrawal Plan

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 withdraw a fixed amount each month from a lump-sum corpus (typically a mutual fund) while the remaining money stays invested. Each month the balance grows at the monthly return, then the withdrawal is deducted.

Turn on inflation to model a realistic retirement income: the monthly withdrawal steps up once a year by the inflation rate you enter. If growth beats withdrawals, the corpus can last 20+ years. If withdrawals (especially inflation-adjusted ones) exceed growth, the tool shows when the money runs out.

Numbers display in rupees by default. The same SWP math applies if you treat inputs as US dollars or Canadian dollars for a systematic withdrawal or 4% retirement-income plan.

Month-end balance = (previous balance × (1 + r)) - withdrawal
r = expected annual return / 12 • withdrawal grows by inflation once per year

SWP plans, inflation, and withdrawals

People search for an SWP calculator because they need to know whether a monthly income can be withdrawn without emptying the pot too soon. Common SWP plans use a conservative withdrawal versus expected return - for example 8% of corpus a year as income against a 10% assumed return, plus a cash buffer for market dips.

Withdrawals can usually be changed, paused, or stopped with the fund house; this calculator does not lock you into a product. It only projects cash flows. Pair it with the inflation impact calculator if you want the future cost of the same lifestyle, then come back and raise the starting withdrawal.

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.