SWP Calculator
Create your own pension. Calculate how much monthly income you can withdraw from your investments while keeping the principal intact.
Real-World Scenarios
Sustainable lifestyle. With 12% returns, your principal actually grows even after withdrawing this much!
A safe withdrawal rate that protects against market dips and long-term retirement stress.
Professional Strategy Insights
- The Bucket Strategy: Keep 2 years of SWP in a Debt Fund and the rest in Equity. This prevents selling equity at a loss during a market crash.
- Inflation-Adjusted SWP: Start low and increase your withdrawal by 5% every year to maintain the same purchasing power as costs rise.
Frequently Asked Questions
What is the safe withdrawal rate?
Wealth experts suggest 4% to 6% per annum for a 30-year retirement period to ensure the corpus is never depleted.
Is SWP tax-efficient?
Yes, much better than dividends or interest. Only the growth portion of each withdrawal is taxed (as LTCG/STCG), not the whole amount.
Mathematical Methodology
At eCalcy, transparency is our core principle. This SIP calculator utilizes the Future Value (FV) of Annuity Due formula with monthly compounding intervals (n=12). We account for compounding frequencies (Quarterly for FD, Monthly for SIP/EMI) to ensure 99.9% accuracy compared to official bank statements.
Financial Disclaimer
Calculations provided by eCalcy are estimates for educational purposes only. They do not constitute financial advice. Fixed deposit rates and mutual fund returns are subject to market risks and bank policy changes.
Always consult a SEBI-registered advisor or certified CA before making investment decisions.
Verified Data Sources
Ritesh Narang
Verified ExpertLead Finance Researcher & Editorial Director, eCalcy
Financial Technology Specialist · Verified by RBI, SEBI & IRS Guidelines
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.