What is an SWP Calculator India?

An SWP (Systematic Withdrawal Plan) calculator helps Indian investors determine the monthly pension they can receive from their mutual fund investments while estimating the remaining final corpus.

How does inflation affect my SWP withdrawals?

Inflation reduces your purchasing power over time. A pro SWP calculator with inflation adjustment helps you increase your monthly withdrawals annually to maintain the same lifestyle.

Is SWP better than a fixed deposit (FD)?

SWP can be more tax-efficient than FDs for long-term investors in India, especially due to equity capital gains tax rules, and it offers the potential for higher returns compared to fixed interest rates.

How much can I withdraw monthly through SWP?

Ideally, you should withdraw 4-6% of your total corpus annually to ensure your money lasts long. You can use our SWP Calculator India to find the perfect balance for your investment.

SWP Calculator India - Inflation Adjusted Systematic Withdrawal Plan

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SWP Calculator India - Free Systematic Withdrawal Planner

🛡️ No Login Required ⚡ Instant Results

Calculate your retirement pension with the most trusted SWP Calculator India. Plan your finances securely—No registration, No login, No hidden costs.

SWP Calculator PRO

Inflation-adjusted retirement planner

Invested

INR 10,00,000

Withdrawn

INR 12,00,000

Final Corpus

INR 10,48,245

Investment

INR

Monthly Withdrawal

INR

Expected Return

Inflation Rate

Time Period

Yrs

1. What is an SWP Calculator?

An SWP (Systematic Withdrawal Plan) is like a "Reverse SIP." While SIP helps you build wealth, SWP helps you enjoy it by providing a steady monthly income.

💰

Steady Income

Get fixed money monthly like a salary.

📈

Capital Growth

Unused money stays invested & grows.

🛡️

Tax Efficient

Better tax benefits than FDs in India.

How to use SWP Calculator India? (Step-by-Step)

Set Investment Amount Enter the total lump sum you have ready for monthly withdrawals.

Define Monthly Need Decide your monthly requirement. Our tool doesn't require any login!

Adjust Inflation & Returns Set expected market returns and inflation (usually 6% in India).

Financial Terms Made Simple

Expected Return Percentage of profit your fund generates yearly.
Inflation Rate The rate at which the cost of living increases.
Final Corpus The leftover balance after your last withdrawal.

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Commonly Asked Questions

Is my data safe on this SWP Calculator?

Absolutely! We require **No Login** and we do not store your data. All calculations happen locally on your device.

Is SWP taxable in India?

Yes, as per Indian Income Tax rules, SWP withdrawals are subject to Capital Gains tax based on the fund type (Equity or Debt).

Can I stop SWP anytime?

Yes, mutual fund companies allow you to start, stop, or modify your SWP amount at any time without extra charges.

Written & Verified by ThinkForU Editorial

Financial Planning Experts

ThinkForU is a dedicated platform for financial literacy in India. This SWP Calculator has been rigorously tested by our team to ensure it meets the latest 2026 Indian Tax Standards and inflation trends. Our mission is to provide 100% free, private, and accurate tools to help you achieve financial independence.

✅ Certified Data Accuracy ✅ Reviewed for 2026 Guidelines

⚠️ Financial Disclaimer

Important: This SWP Calculator India is designed for illustrative and educational purposes only. The calculations are based on the inputs provided by you and do not guarantee future returns or performance of any mutual fund scheme. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully before investing. We do not provide financial advice, and the results should not be treated as a substitute for professional investment consultation. Final withdrawal amounts may vary based on actual market performance and applicable taxes (LTCG/STCG) in India.

SWP Calculator India - Free Systematic Withdrawal Planner | Thinkforu