The 4% rule, Indian edition
A common retirement guideline is to withdraw about 3–4% of your corpus in the first year and increase it with inflation. With Indian inflation of 5–6%, many planners suggest a more conservative 3–3.5%. Use the step-up field to test your plan against inflation.
Building the corpus first? Use the SIP calculator or lumpsum calculator.
How to use the SWP Calculator tool
- Enter your investment (corpus), monthly withdrawal and expected return.
- Optionally add an annual increase in withdrawals for inflation.
- See the balance left, total withdrawn and whether the money runs out.
Why SaralKit?
- Free forever: no "credits", no trial, no premium tier, no watermark and no daily limit.
- No account, ever: nothing to sign up for. Just open the page and use it.
- No data stored: your files and the numbers you type are processed by your own browser. We never upload, store or see them.
- Works offline: once the page has loaded, most tools keep working without internet.
- Open source: anyone can read the code on GitHub.
Frequently asked questions
What is an SWP?
A Systematic Withdrawal Plan lets you withdraw a fixed amount from a mutual fund every month while the rest stays invested. Retirees use it as a monthly "salary" from their savings.
How much can I withdraw without running out?
If your withdrawals per year are below the expected return on your corpus, the corpus lasts indefinitely. For example, ₹1 crore earning 8% can support roughly ₹60,000–65,000 a month while staying intact. This calculator shows exactly when (or whether) the money runs out.
How is SWP taxed?
Each withdrawal is partly your capital (not taxed) and partly gains (taxed as capital gains). This usually makes SWP more tax-efficient than FD interest, which is fully taxable.
Should I increase withdrawals for inflation?
Yes, ideally. Use the annual step-up field (e.g. 5%) to model inflation-linked withdrawals; it makes the corpus deplete sooner, so plan for it.