SWP Retirement & Corpus Longevity Calculator
Simulate Systematic Withdrawal Plan (SWP) monthly retirement income with optional CPI-indexed annual withdrawal step-ups and exact depletion year tracking. Benchmarked against India’s published RBI Repo Rate (5.5%) and MoSPI Headline CPI Inflation (5.54%).
Sample ₹1.00 Crore Retirement SWP (₹45,000/Mo + 5.54% CPI Step-Up @ 9% Return)
Initial Withdrawal Rate: 5.40% p.a. Total Cumulative Withdrawals over 25 Years: ₹2,77,76,890. Terminal Corpus Remaining: ₹1,26,22,924.
Frequently Asked Questions
How does a Systematic Withdrawal Plan (SWP) work in retirement?
An SWP redeems a specified monthly amount from an invested corpus while the remaining balance continues compounding at the portfolio’s expected return.
Why is an annual inflation step-up critical in SWP planning?
A fixed ₹50,000 monthly withdrawal loses purchasing power each year at 5.54% CPI inflation. Indexing withdrawals annually tests whether your corpus truly sustains lifestyle expenses.
What is a sustainable initial withdrawal rate in India?
Given higher domestic inflation than Western markets, financial planners in India frequently stress-test initial annual withdrawal rates between 3.0% and 4.5% of retirement corpus.