Retirement Planning
SWP Calculator for Retirement Income in India
Short answer
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.
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.
- ✓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.
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