SWR 101: Safe Withdrawal Rate

SWR is the percent of your retirement corpus you can withdraw yearly (inflation‑adjusted) with a high chance your money lasts. A common range is 3.5–4%.

How SWR drives your target

If you plan to spend ₹1L/month at retirement and SWR is 3.5%, your target corpus is roughly 1L × 12 ÷ 0.035.

Calculate your target corpus and required SIP: Open the Retirement tool.