SWP preset
SWP Calculator for ₹1 Crore Corpus
This preset tests a ₹1 crore retirement corpus with a modest monthly withdrawal and an annual step-up. It suits investors seeking a balanced, post-fee return expectation in the 7–8% range.
Assumptions used
- Annual compounding with monthly withdrawals before growth
- Constant expected returns (pre-tax) for planning
- Optional inflation adjustment at 6% by default
- No taxes, exit loads, or fees included unless stated
- Withdrawals taken monthly before growth is applied
- Returns assumed constant at 7.5% p.a., compounded monthly
- Annual withdrawal step-up applied every 12 months
Model withdrawals with this preset
Values are prefilled for this scenario. Adjust return, payout step-up, or timeline to see how sustainability shifts. Reality check keeps an inflation-adjusted line visible.
SWP / Retirement
Plan monthly withdrawals from your corpus
Model a monthly payout, optional yearly increase, and see how long your corpus lasts - plus today’s value.
Corpus & payout
SWP controlsCorpus amount
Total investible corpus
Monthly withdrawal
Monthly payout to you
Returns & duration
Uses 6.0% inflation for today’s value.
Outcome
₹2,39,17,298.0 withdrawn
25 yrs at 7.5% p.a. • Step-up 5.0% • Corpus remaining ₹0
Today’s value withdrawn: ₹53,56,654 (53.6 L)
Corpus remaining
₹0 (0)
Today’s corpus
₹0 (0)
Total withdrawn
₹2,39,17,298.0 (2.39 Cr)
Today’s withdrawn
₹53,56,654 (53.6 L)
Loading chart…
How to read & safety notes
How to read this
- Corpus grows monthly; we deduct your payout then grow the remainder.
- Withdrawal increases once a year by the step-up you choose.
- Today’s value uses your inflation assumption for realistic payouts.
- If corpus hits zero, we note the month of exhaustion.
How to read the result
Sustainability depends on the gap between the withdrawal step-up and the assumed return. Watch the exhaustion badge—if it moves earlier, lower the step-up or increase the return assumption cautiously.
At a 6% inflation assumption, the real value of withdrawals declines over time. Use Reality check to understand the purchasing power of your payouts.
This calculator provides estimates for planning purposes only.