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Corpus duration will be displayed here
| Feature | SIP | SWP |
|---|---|---|
| Purpose | Investment accumulation | Regular withdrawal income |
| Cash Flow | Money invested periodically | Money withdrawn periodically |
| Use Case | Wealth building | Retirement income |
| Example | ₹10,000 monthly SIP | ₹10,000 monthly withdrawal |
Plan your withdrawals smartly and make your corpus last longer with insights tailored for post-retirement planning.
Calculates year-wise corpus balance, interest earned, and total withdrawals based on your expected return rate.
Automatically increase your withdrawal amount annually to maintain lifestyle and offset inflation.
Add large one-time expenses such as travel, home renovation, or medical costs and instantly see the impact.
A smart gauge shows how long your corpus can sustain your withdrawals before depletion.
For long-term retirement (25–35+ years), a 3.5%–4% annual withdrawal start is generally more prudent. Higher 5%–6% withdrawals need shorter horizons or flexible spending.
SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund periodically, while the remaining corpus continues to earn returns.
Each cycle, your corpus grows by the expected return rate, and withdrawals (plus any one-time events) are deducted. This process continues until the duration ends or funds run out.
A Step-up SWP increases your withdrawal amount annually by a fixed percentage to help offset inflation and maintain your lifestyle needs.
Yes. You can add one-time withdrawals for specific years to simulate expenses like travel, education, or property purchase.
The gauge visually indicates how long your corpus sustains your withdrawals. If it reaches 100%, your corpus lasts the full period; if lower, it depletes sooner.
No. SWP projections depend on market returns, fund performance, and tax implications. These are only estimates to help with planning.
SWP redemptions are taxed as capital gains, not as fixed “interest income.” Tax depends on asset type (equity/debt), holding period, and applicable rules at the time of redemption.
For long retirement horizons (25–35+ years), 3.5% to 4% is generally a prudent starting range. Higher 5% to 6% rates are usually suitable only for shorter horizons, higher expected returns, or flexible spending plans.
It depends on withdrawal rate and returns. For example, 3.5% to 4% corresponds to about ₹29,167 to ₹33,333 per month in year one, before taxes and market variation effects. A 6% target (~₹50,000/month) is higher risk and needs stronger assumptions or spending flexibility.
FD offers predictable returns, while SWP can provide potentially better long-term efficiency with market-linked growth. Suitability depends on risk tolerance, cash-flow certainty, and tax profile.
This calculator focuses on nominal projection using your expected return and optional step-up withdrawals. For real purchasing-power planning, combine with an inflation assumption separately.
Monthly is common for regular income needs. Quarterly or yearly withdrawals may leave more money invested for longer, but suitability depends on your cash-flow pattern.