SWP Step-Up Calculator
Withdraw systematically with an annual increase using SWP Step-Up.
What Is an SWP Step-Up (Systematic Withdrawal with Annual Increase)?
An SWP Step-Up allows investors to withdraw a fixed monthly amount that increases every year by a selected percentage. This helps you maintain your purchasing power as costs rise due to inflation.
Why Use an SWP Step-Up Plan?
- Adjusts your withdrawals to match inflation
- Provides increasing monthly income year after year
- Makes retirement income more predictable and sustainable
- Ensures you don’t withdraw the same fixed amount forever
What This SWP Step-Up Calculator Helps You Do
- Estimate future monthly withdrawals
- Understand portfolio sustainability with increasing payouts
- Plan inflation-adjusted retirement expenses
- Compare regular SWP vs step-up SWP outcomes
Who Should Use an SWP Step-Up?
- Retirees who want income that increases each year
- Individuals planning long-term financial independence
- Investors wanting inflation-protected monthly cash flow
- Anyone relying on mutual fund withdrawals for regular income