| Year | Starting Balance | Withdrawals | Returns | Ending Balance |
|---|
An SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount every month from your investment. This is useful for people who want regular income after retirement. However, inflation can reduce the value of money over time. That’s why an SWP Calculator with Inflation is helpful. It shows how inflation affects your withdrawals in the long run.
What is SWP?
SWP means you take out a certain amount from your mutual fund or investment every month. This can be for daily expenses or retirement needs. The remaining money stays invested and continues to grow.
Why Add Inflation?
Inflation means prices of goods and services increase over time. So, ₹10,000 today may not have the same value 10 years later. If you don’t adjust your withdrawals, you may not be able to cover all your needs in the future.
How SWP Calculator with Inflation Works
This calculator asks for:
1. Total investment amount
2. Monthly withdrawal
3. Expected annual return (%)
4. Inflation rate (%)
5. Time period (in years)
Then, it adjusts your withdrawals every year as per inflation. It shows how long your money will last and what your future monthly withdrawal will look like.
Example
Suppose you invest ₹20,00,000. You want to withdraw ₹20,000 per month. The expected return is 10% per year and inflation is 6%. The calculator shows how your ₹20,000 must increase every year to match inflation. It also shows how many years your money will last at that rate.
Benefits of SWP Calculator with Inflation
1. Gives a real picture of your future income.
2. Helps in long-term retirement planning.
3. Protects your lifestyle from inflation.
4. Helps you adjust withdrawal amount if needed.
Who Should Use This?
This tool is ideal for people planning retirement, freelancers looking for fixed income, or anyone who depends on investment returns for living expenses.
Plan Smartly
Don’t ignore inflation when planning your monthly income. It silently reduces your spending power. Use the SWP Calculator with Inflation to stay ahead and make your money last longer.