Model how long your retirement corpus will last with fixed monthly withdrawals. Adjust corpus, withdrawal amount, and expected returns to plan post-retirement income.
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An SWP, or Systematic Withdrawal Plan, is essentially the exact opposite of an SIP. Instead of investing money every month, an SWP allows you to withdraw a fixed, pre-determined amount from your accumulated mutual fund corpus at regular intervals. It is a highly popular strategy for generating a steady, reliable monthly pension during retirement while your remaining balance continues to grow.
An SWP (Systematic Withdrawal Plan) is a mutual fund facility that allows you to withdraw a fixed amount of money from your investments at regular intervals. When your scheduled withdrawal date arrives, the mutual fund automatically sells the exact number of units needed to fulfill that cash request, transferring the money directly to your bank account. The remainder of your corpus stays invested in the market, allowing it to continue growing over time. It is primarily used by investors to generate a predictable, salary-like income during retirement.
Using an SWP calculator with inflation is critical for retirement planning because the basic cost of living increases every year. If you withdraw exactly ₹30,000 monthly today, that same amount will buy significantly less in 10 years. Factoring in a standard 6% inflation rate ensures you adjust your withdrawals properly and never outlive your retirement savings.