SWP Calculator India: Tax Savings, Inflation Adjustment & Step-Up Withdrawals

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SWP Analysis: Balance Trends and Withdrawal Summary

Year Starting Balance (₹) Withdrawals (₹) Ending Balance (₹) Returns Generated (₹)

What is SWP Calculator? Retirement Income Explained Simply

Imagine your mutual fund investments turning into a monthly paycheck after retirement—that’s exactly what an SWP (Systematic Withdrawal Plan) Calculator does! It’s like a magic tool that tells you how much you can withdraw monthly from your corpus without running out of money.

How It Works

  • Enter Your Corpus: Suppose you’ve saved ₹50 lakhs in mutual funds.
  • Choose Withdrawal Rate: Pick a monthly amount (e.g., ₹30,000) or let the calculator suggest one.
  • Adjust for Inflation: Add 6-7% inflation to keep your income rising yearly.

Example: A ₹50 lakh corpus at 8% returns can give you ₹33,000/month for 20 years!

Why SWP Beats Fixed Deposits

  • Higher Returns: SWP with equity funds often gives 10-12% returns vs. FD’s 6-7%.
  • Tax Benefits: Withdrawals from debt funds after 3 years get indexation benefits, slashing taxes.

SWP + SIP = Perfect Duo

Use a SIP and SWP Calculator together! Build wealth with SIPs during your earning years, then switch to SWP for retirement income.

Pro Tip: Start SWP with debt funds for stability and equity funds for growth. Your future self will thank you!

SWP vs SIP Calculator: Which is Better for Monthly Income?

Think of SIP as your savings mode and SWP as your income mode. One fills the bucket, the other lets you drink from it. Let’s break down which suits your monthly income needs:

SIP Calculator: The Wealth Builder

  • What it does: Invests fixed amounts (e.g., ₹10,000/month) to grow your corpus.
  • Best for: Long-term goals (10+ years) where you don’t need income now.
  • Example: ₹10k/month SIP for 15 years at 12% = ₹50 lakhs. But you can’t touch this money until maturity!

SWP Calculator: The Income Generator

  • What it does: Withdraws fixed amounts (e.g., ₹30,000/month) from your existing corpus.
  • Best for: Immediate regular income (retirement, post-goal withdrawals).
  • Example: ₹50 lakhs SWP at 8% returns = ₹33k/month for 20 years.

The Verdict? It’s Not a Fight—It’s a Duo!

  • Need income now? Use SWP. But first, build your corpus with SIP.
  • Still saving? Use SIP. Pair it later with SWP for a retirement paycheck.

Pro Tip: Use a SIP and SWP Calculator to simulate scenarios. For example:

  • SIP for 15 years → Build ₹1Cr.
  • SWP for 20 years → Withdraw ₹60k/month.

Real Talk: SIP is your gym membership, SWP is the post-fitness glow. You need both!