<h1>SWP calculator only an indicative planning tool, not return guarantee; mutual fund investors must consider risk, costs, inflation</h1> An SWP calculator is described as an indicative financial-planning aid that models periodic withdrawals from a mutual fund corpus based on user inputs such as corpus size, withdrawal frequency, assumed return, time horizon, and inflation. The text stresses that outputs are scenarios, not guarantees or predictions, and warns against relying on a single return assumption or ignoring tax, costs, and inflation. It reiterates the standard mutual fund risk disclaimer that such investments are subject to market risk and require careful review of scheme documents. The release further clarifies that the distributing news agency assumes no editorial responsibility for the content, positioning it as third-party material.