SWP Calculator
Plan systematic withdrawals from your investments
10,0001,00,00,00,000
10050,00,000
Current withdrawal rate: 12.00%
0.5200
0.5400
0.3120
Set to 0 for fixed amount, or match inflation rate for constant purchasing power
💡 SWP Strategy Tips
- • Safe withdrawal rate: 4-6% annually
- • Consider inflation impact on purchasing power
- • Maintain emergency corpus separate from SWP
- • Review and adjust withdrawal amount periodically
SWP Analysis Results
Total Withdrawals:₹0
Remaining Corpus:₹0
Sustainability:20+ years
Safe Withdrawal Rate:0%
Current Rate:12.00%
Withdrawal Rate Analysis
Analysis based on 20-year period. Green indicates sustainable for full period.
Inflation Impact on Purchasing Power
| Inflation | 10 Years | 20 Years | Power Loss |
|---|
Shows real value of ₹10,000 in future years
Portfolio Return Scenarios
SWP Strategy & Best Practices
Withdrawal Guidelines
- • 4% Rule: Withdraw 4% annually for 30+ years sustainability
- • Adjust for inflation to maintain purchasing power
- • Lower withdrawal rates in volatile markets
- • Consider sequence of returns risk
- • Maintain 6-12 months emergency fund separately
Portfolio Management
- • Diversify across equity and debt funds
- • Rebalance portfolio annually
- • Consider bucket strategy for different time horizons
- • Review and adjust withdrawal amount yearly
- • Plan for healthcare and unexpected expenses