SWP Calculator: Plan Your Retirement Cash Flow
A Systematic Withdrawal Plan (SWP) allows you to redeem a fixed amount of money from your mutual fund investments at regular intervals. Often used by retirees, it provides a highly tax-efficient and predictable income stream while allowing your remaining balance to compound in the background. Our free SWP calculator projects exactly how long your money will last under various scenarios.
How Does the Tools-Hut SWP Calculator Work?
Unlike generic calculators, our SWP tool accounts for complex variables required for realistic planning. Enter your accumulated corpus, your desired monthly withdrawal, and expected returns. The calculator instantly charts the depletion trajectory of your principal, ensuring you don't run out of money prematurely.
Combatting Inflation in Retirement
A fixed ₹50,000/month withdrawal might be comfortable today, but what about 15 years from now? Inflation eroding purchasing power is the biggest threat to retirees. Our calculator features an Inflation Deflator and a Step-Up feature. The annual Step-Up function lets you automatically incrementally increase your withdrawal amount every year to combat inflation dynamically.