SWP Calculator
Inflation-linked systematic withdrawals with corpus sustainability stress testing
Key Features & Calculation Guidance
Key features: Inflation-Linked, Stress Test, Yearly Schedule. Free, 100% browser-based — no login required.
Frequently Asked Questions
Why should an SWP calculator increase withdrawals for inflation?
A fixed nominal withdrawal loses purchasing power over a long retirement. Inflation-linked withdrawals are a more demanding but more realistic test when the money is intended for living expenses.
What does the lower-return stress case show?
It reruns the same withdrawal plan with the portfolio return reduced by two percentage points. This helps show how sensitive the plan is to weaker returns, although real markets are more volatile than either smooth-return scenario.
Is the whole SWP withdrawal taxable?
No. An SWP redeems mutual-fund units, and capital-gains tax is generally based on the gain embedded in the units redeemed. Fund category, holding period and prevailing tax rules determine the actual treatment.
Can a high-return assumption make an unsafe withdrawal look sustainable?
Yes. Long-term averages do not guarantee the timing of returns. A plan can fail after poor early-market years even if the eventual average return looks acceptable, which is why conservative assumptions and periodic review matter.
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