About This Tool
Use this SWP calculator monthly income planner to test withdrawal rates against expected portfolio returns over retirement horizons.
Your inputs
Results
Total Withdrawn
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Residual Corpus
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Sustainability
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Book a Wealth Session →Frequently Asked Questions
How is SWP taxed in India?
Redemptions are generally taxed per unit capital gains rules; consult your CA.
Which mutual funds are best for SWP?
Balanced advantage, equity savings, or hybrid funds are common — match risk to horizon.
What is the safe withdrawal rate from a mutual fund corpus?
Many planners use 3–5% of initial corpus annually as a starting band.
Can SWP replace pension income?
It can supplement pensions; longevity and sequence risk must be managed.
How is SWP different from a dividend plan?
SWP sells units; dividends are paid from distributable surplus — tax treatment differs.