SWP Calculator for Retirement Income in India
At a 4% annual withdrawal rate, ₹1 crore corpus provides roughly ₹33,333/month initially, adjusted for inflation each year. Sustainability depends on post-retirement returns and market sequence risk.
Key Takeaways
- •SWP redeems mutual fund units periodically for retirement income.
- •In India, 3.5–4.5% withdrawal rates are common planning assumptions.
- •Debt and hybrid funds are often used for SWP due to lower volatility.
AI Retirement Planner & Calculator
Know how much you'll need for retirement, the SIP to build your corpus, and whether you're on track.
Trusted by mutual fund investors · Educational projections only
Plan your retirement
Moderate lifestyle with travel, dining, and leisure.
₹1.67 Cr
₹0/mo
Retirement Readiness Score
99 / 100
Excellent
You are ahead of 84% of investors in your age group.
SWP at 4%: ₹2.99 L/mo
Financial freedom age: 55
Retirement Gap
Needed
₹1.67 Cr
Expected
₹8.96 Cr
Gap
₹0
Inflation Impact
Today's Expenses
₹50,000
At Retirement
₹69,231
Expenses may grow ~38% by retirement at 6.5% inflation
Wealth Timeline
₹5.00 CrRetirement
₹8.96 Cr85
₹1.67 Cr
Corpus Breakdown at Retirement
Existing Wealth
69%
Future SIP
1%
Investment Growth
30%
AI Insights
- Your projected corpus meets or exceeds the inflation-adjusted target — review assumptions annually.
- With under 10 years to retirement, consider gradually shifting toward debt and hybrid funds to reduce sequence-of-returns risk.
- You may reach financial freedom around age 55 — earlier than your target retirement age.
What If?
Monte Carlo
100%
Probability of success · Excellent
Illustrative simulation across return scenarios
Retirement Health Dashboard
Overall 83
Inflation Protection
95
Investment Discipline
55
Goal Progress
100
Withdrawal Safety
100
Diversification
50
Improve Your Retirement Plan
How it works
Systematic Withdrawal Plan (SWP) is the inverse of SIP — designed for decumulation in retirement.
ClearMF's main calculator shows SWP at 4% based on your projected corpus at retirement.
Related tools
ClearMF retirement calculator provides educational projections only. It is not SEBI-registered investment advice. Actual returns, inflation, taxes, and longevity risk may differ. Consult a qualified financial planner for personalized guidance.