SWP Calculator with Inflation

A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from a mutual fund at regular intervals, usually monthly, while the rest stays invested. It is commonly used to create a regular income from a corpus, for example in retirement.

A flat withdrawal buys less every year as prices rise. If you raise the withdrawal each year to keep your purchasing power, the corpus drains faster. This calculator steps your withdrawal up by the rate you enter, so the result reflects what you will actually need to take out.

Each month the withdrawal is taken first, and the remaining balance then grows at your expected return, compounded monthly. The withdrawal increases once a year by your chosen percentage. If the balance cannot cover a withdrawal, the corpus is exhausted and the last payout is whatever is left.

If your return beats the yearly increase in your withdrawal, there is a corpus large enough that it never runs out: it keeps growing even as you take more each year. The calculator shows that amount under To never run out. If the increase matches or beats your return, no corpus can last forever.

No. The projection assumes a constant return, but real fund returns swing from year to year, and poor returns early in a withdrawal phase hurt the most. Use a conservative return and leave a margin for safety.