SWP preset
SWP Calculator for a 25-Year Retirement
For long retirements, sequence risk matters. This preset uses a balanced return assumption and a cautious payout to test how far the corpus may stretch over 25 years.
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% 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
₹3,23,19,716.0 withdrawn
25 yrs at 7.0% p.a. • Step-up 4.0% • Corpus remaining ₹0
Today’s value withdrawn: ₹72,38,507 (72.4 L)
Corpus remaining
₹0 (0)
Today’s corpus
₹0 (0)
Total withdrawn
₹3,23,19,716.0 (3.23 Cr)
Today’s withdrawn
₹72,38,507 (72.4 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
Small changes in return or payout growth can shift exhaustion by years. Use the chart to see how early withdrawals erode the corpus when markets are flat.
Inflation erodes fixed payouts quickly. Keep Reality check on and test lower withdrawal step-ups to preserve purchasing power.
This calculator provides estimates for planning purposes only.