SWP Calculator
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount monthly from your mutual funds or investments. Project how long your retirement corpus will last or find out how much you need.
How to structure a retirement SWP
Playbook strategies for systematic passive withdrawals.
The 4% Safety Rule
For sustainable lifetime payouts, experts suggest a starting monthly withdrawal of 0.33% to 0.4% of your total initial corpus. This helps ensure that expected market growth continuously replenishes your capital base, making your fund sustain indefinitely.
Growth Over Payout
When expected returns (p.a.) exceed the withdrawal rate percentage, the corpus grows over time. This creates a legacy asset that you can pass down to subsequent generations while enjoying consistent monthly income.
Tax and Exit Load Efficiency
Structuring withdrawals at least 12 months after your initial investment ensures all payouts are classified as Long-Term Capital Gains (LTCG), which are taxed at lower preferential rates and escape mutual fund exit loads completely.