Input type
Retirement Planning
Inflation-Adjusted SWP / Safe Withdrawal Calculator
Simulate how long your retirement corpus lasts with a step-up withdrawal plan. See year-by-year corpus balance and find the corpus depletion year.
Annual step-up withdrawals
Corpus depletion year
Year-by-year schedule
Best for
Post-retirement withdrawal planning
Output
Depletion year + year-by-year table
Enter SWP details
A step-up matching inflation rate ensures your real purchasing power is maintained throughout retirement.
Why use this SWP calculator?
It shows you the hard truth about whether your corpus will last your lifetime — and lets you stress-test different withdrawal and return scenarios.
Safe Withdrawal Planning Guide
A Systematic Withdrawal Plan (SWP) from a mutual fund or investment portfolio is a popular post-retirement income strategy. The key risk is running out of money, which depends on withdrawal rate, portfolio returns, and lifespan.
The 4% rule
Research suggests withdrawing 4% of corpus annually (with inflation step-up) is sustainable over 30 years for a balanced portfolio. Lower rates are safer.
Sequence of returns risk
Poor market returns early in retirement can deplete corpus much faster than the calculator shows, since averages mask bad stretches.
Step-up withdrawal
Matching step-up to inflation maintains real purchasing power but accelerates corpus depletion. Balance step-up rate against return assumptions.
Annuity as backstop
Consider using a portion of your corpus to buy an immediate annuity for a guaranteed lifetime income floor, with the rest in SWP.
This tool is for planning and educational use only and does not constitute financial advice.
SWP FAQ
What step-up percentage should I use?
Match it to your expected inflation rate (5–7% in India). A higher step-up means more withdrawals each year and faster corpus depletion.
What return should I assume on the corpus?
A conservative 6–7% for a balanced or debt-heavy post-retirement portfolio. Equity allocation can increase this but adds volatility risk.
Does this include taxes on withdrawals?
No. Tax implications depend on the asset class and holding period. Consult a tax advisor for post-retirement SWP tax planning.
Retirement Planning: Detailed Guide
This retirement calculator helps you turn long-term assumptions into an actionable financial plan. Retirement outcomes depend on savings rate, inflation, expected returns, pension structure, withdrawal strategy, and longevity. Use this estimate as a planning baseline and then refine it with your real salary, contribution history, investment mix, and expected retirement lifestyle costs.
For better planning quality, run multiple scenarios using conservative, realistic, and optimistic assumptions. Small changes in inflation, post-retirement return, pension income, or retirement age can meaningfully change your required corpus. Recalculate every 6 to 12 months and after major life events such as job changes, salary jumps, family additions, or shifts in health and insurance needs.
How to use retirement calculators effectively
Start with accurate inputs for current expenses, years to retirement, expected inflation, current savings, and expected portfolio return. Build in a safety margin for healthcare and longevity so your plan remains stable even if actual returns are lower than expected.
Common retirement planning mistakes
Many people underestimate inflation and overestimate returns. Others ignore tax impact, healthcare costs, and sequence-of-returns risk in early retirement years. A robust retirement plan balances growth, predictable income, and adequate liquidity for emergencies.
Build a complete retirement system
Use pension, corpus, SIP required, commutation, and withdrawal calculators together to create a complete retirement roadmap. This connected approach helps you decide how much to save now, how to allocate assets, and how to draw income sustainably after retirement.