What is the safe withdrawal rate for retirement?

The commonly recommended safe withdrawal rate is 4% per year of your corpus, adjusted for inflation. This is based on long-term historical market returns.

SWP Calculator

Q: What is SWP in mutual funds?

SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount regularly from your mutual fund investment, creating a steady income stream — ideal for retirement planning.

Calculate your systematic withdrawals and see how long your wealth lasts under different market conditions.

Initial Investment

₹ 100,000

₹1k ₹1M

Monthly Withdrawal

₹ 1,000

₹100 ₹20k

Expected Return (p.a.)

8 %

1% 30%

Time Period

10 Years

1 Year 50 Years

Total Withdrawal

₹ 120,000

info Over 10 years

Estimated Final Value

₹ 34,562

trending_down Capital Erosion likely

Corpus Projection

Remaining Corpus

Year 0 Year 2 Year 4 Year 6 Year 8 Year 10

Yearly Breakdown

Year	Opening Balance	Withdrawal	Interest Earned	Closing Balance
1	₹100,000	₹12,000	+₹7,650	₹95,650
2	₹95,650	₹12,000	+₹7,280	₹90,930
3	₹90,930	₹12,000	+₹6,890	₹85,820
4	₹85,820	₹12,000	+₹6,450	₹80,270
5	₹80,270	₹12,000	+₹5,980	₹74,250

psychology What is SWP?

A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount of money from your investment (usually mutual funds) at regular intervals. It's the opposite of a SIP. While SIP is used to build a corpus, SWP is used to create a regular income stream from a built-up corpus.

lightbulb Pro Tip

To ensure your wealth lasts indefinitely, try to keep your annual withdrawal rate lower than your expected annual return. This is often referred to as the "Safe Withdrawal Rate" and is typically around 4% for long-term retirement planning.

Free SWP Calculator – Systematic Withdrawal Plan Calculator for Mutual Funds

Tooligen's free SWP Calculator helps you plan your Systematic Withdrawal Plan (SWP) from mutual funds. Calculate exactly how long your mutual fund corpus will last with regular monthly withdrawals at a given expected rate of return.

What is SWP in Mutual Funds?

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount regularly from their mutual fund investment. It is ideal for retirement planning, creating a monthly income from mutual funds, and managing cash flow from investments.

How to Use SWP Calculator?

Enter your total investment corpus, monthly withdrawal amount, and expected annual return rate. The calculator will show the withdrawal schedule, remaining corpus over time, and the total duration your investment will last.

Benefits of Using SWP

✅ Regular monthly income from your mutual fund investment
✅ Tax efficient — only capital gains are taxed, not the entire withdrawal
✅ Useful for retirement corpus planning
✅ Better than Fixed Deposit interest for long-term investors