Welcome to Achievv's SWP Calculator, designed specifically for Indian investors planning their retirement income through Systematic Withdrawal Plans. This calculator helps you understand how your corpus will perform when you start withdrawing regularly.

What is SWP (Systematic Withdrawal Plan)?

SWP is a systematic way to withdraw money from your mutual fund investments at regular intervals (monthly, quarterly, or annually). It's particularly useful for:

• Retirement Planning: Regular income during retirement
• Goal-Based Withdrawals: Meeting specific financial goals
• Tax Optimization: Managing tax implications of withdrawals
• Corpus Management: Systematic depletion of accumulated wealth

How SWP Works

In a Systematic Withdrawal Plan:

1. You have a corpus: ₹10,00,000 invested in mutual funds
2. Set withdrawal amount: ₹10,000 per month
3. Funds continue growing: Remaining corpus earns returns
4. Regular income: You receive ₹10,000 every month

Benefits of SWP

• Regular Income: Predictable monthly/quarterly income
• Tax Efficiency: Only gains are taxed, not principal
• Flexibility: Can modify or stop withdrawals
• Professional Management: Fund managers handle investments
• Liquidity: Easy to access funds when needed

SWP Calculator with Inflation - Real Income Planning

Understanding inflation's impact on your SWP withdrawals is crucial for maintaining your lifestyle during retirement. Our SWP calculator helps you plan for inflation-adjusted withdrawals:

Why Inflation Matters in SWP Planning

Inflation reduces the purchasing power of your fixed withdrawals over time. A ₹10,000 monthly withdrawal today may not cover the same expenses in 10 years due to inflation. Our calculator helps you:

• Calculate Real Income: Understand your actual purchasing power after inflation
• Plan Inflation-Adjusted Withdrawals: Increase withdrawals to maintain lifestyle
• Optimize Corpus Size: Ensure sufficient funds for inflation-adjusted withdrawals
• Long-term Income Security: Maintain purchasing power throughout retirement

Indian Inflation Context for SWP

In India, historical inflation rates have averaged around 6-7% annually. This means:

• Fixed Withdrawals: Lose purchasing power over time
• Inflation-Adjusted Withdrawals: Maintain real income levels
• Corpus Depletion: Higher withdrawals reduce corpus faster
• Investment Strategy: Need higher returns to beat inflation

Inflation-Adjusted SWP Strategy

To combat inflation effectively in SWP:

• Start Conservative: Begin with lower withdrawal rates (3-4% annually)
• Increase Gradually: Step up withdrawals by inflation rate annually
• Choose Growth Assets: Focus on equity funds for inflation-beating returns
• Regular Review: Monitor corpus and adjust strategy based on inflation trends

Popular SWP Funds in India

Most major mutual fund houses offer SWP:

• HDFC Balanced Advantage Fund - Balanced fund
• SBI Bluechip Fund - Large cap equity fund
• ICICI Prudential Value Discovery Fund - Multi cap fund
• Axis Bluechip Fund - Large cap equity fund
• Franklin India Prima Fund - Mid cap fund