How to Choose a Safe SWP Withdrawal Rate for Your Retirement
6 min read May 9, 2026By TheCalcUniverse Editorial
Withdraw too much and your corpus runs out early. Withdraw too little and you compromise your lifestyle. Here is how to find your sustainable SWP rate.
Finding Your Rate
The 4% rule suggests withdrawing 4% of your initial corpus yearly. For a ₹1 crore corpus: ₹40,000/year or ₹3,333/month. For Indian investors, 5% is often used (₹4,167/month per crore). The SWP calculator lets you test different rates to see how long your corpus lasts.
Stress-Testing Your Plan
Use the SWP calculator to test different scenarios: (1) Expected scenario — 8% returns, (2) Conservative — 6% returns, (3) Bear market — first 5 years with 3% returns. If your corpus survives the bear market scenario, your withdrawal rate is likely safe.
Try the SWP Calculator
Plan your retirement withdrawals with our free SWP calculator.
