What is an SWP calculator?

An SWP calculator estimates how much you can withdraw from a corpus every month and how long the money may last based on your expected return and inflation assumptions.

Is SWP useful for retirement planning?

Yes. SWP is commonly used in retirement planning because it helps translate a corpus into a monthly withdrawal plan while showing the risk of depletion over time.

Should inflation be considered in withdrawal planning?

Yes. If you want your withdrawal amount to keep pace with living costs, inflation should be considered. Otherwise the purchasing power of your monthly withdrawal may shrink over time.

SWP Calculator

Estimate how much monthly income your corpus can support and how long that withdrawal path may last.

Starting Corpus

₹

Monthly Withdrawal

₹

Expected Annual Return

Projection Horizon

Increase withdrawals with inflation

Explore Presets

Remaining Corpus
₹0

Total Withdrawn

₹0

Cumulative cash taken out over the plan

Corpus Survival

0 yrs

How long the money keeps supporting withdrawals

Status

—

Early warning for depletion risk

If inflation is enabled, the monthly withdrawal rises once every year to preserve purchasing power.

Reality Check

Actionable Suggestions

This calculator first estimates a safe housing EMI band using a simple rule: keep home EMI + ownership costs close to 40% of monthly take-home pay after accounting for existing EMIs. It then converts that safe EMI into an affordable home loan using the standard reducing-balance EMI formula.

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Corpus Path

Corpus Balance

What an SWP calculator tells you

An SWP calculator helps you estimate how long a corpus may last once you start taking money out every month. That makes it especially useful for retirement planning, early retirement, or any situation where you want regular income from investments instead of fresh salary.

How to use this SWP calculator

Start with your current corpus, expected annual return, and monthly withdrawal. Then decide whether you want to test a fixed duration or run the plan until the corpus gets exhausted. If you enable inflation, the tool also shows how raising withdrawals over time affects corpus survival.

Why inflation changes withdrawal planning so much

A flat withdrawal may look safe at first, but it slowly buys less every year. Real retirees usually need income to rise over time. That is why an SWP plan that survives comfortably in nominal terms can feel much tighter once inflation is added to the picture.

Use conservative return assumptions for retirement income

Accumulation and withdrawal are not the same game. During the withdrawal phase, bad early years can hurt more because money is leaving the portfolio while markets are moving. A conservative return estimate usually gives you a more useful planning answer than an aggressive one.