SWP Calculator with Inflation
Plan your retirement withdrawals with inflation-adjusted monthly payouts. See how long your corpus lasts when withdrawals increase every month to maintain purchasing power.
⚠ Corpus Exhausted
Final monthly withdrawal: ₹80,137 · Total withdrawn: ₹1 Cr
Corpus Over Time
| Year | Monthly Withdrawal | Balance | Real Value |
|---|---|---|---|
| Year 1 | ₹31,850 | ₹50.31 L | ₹47.46 L |
| Year 2 | ₹33,815 | ₹50.41 L | ₹44.87 L |
| Year 3 | ₹35,900 | ₹50.27 L | ₹42.21 L |
| Year 4 | ₹38,115 | ₹49.85 L | ₹39.49 L |
| Year 5 | ₹40,466 | ₹49.11 L | ₹36.70 L |
| Year 6 | ₹42,961 | ₹48.01 L | ₹33.85 L |
| Year 7 | ₹45,611 | ₹46.50 L | ₹30.93 L |
| Year 8 | ₹48,424 | ₹44.53 L | ₹27.94 L |
| Year 9 | ₹51,411 | ₹42.03 L | ₹24.88 L |
| Year 10 | ₹54,582 | ₹38.94 L | ₹21.74 L |
| Year 11 | ₹57,948 | ₹35.19 L | ₹18.54 L |
| Year 12 | ₹61,523 | ₹30.69 L | ₹15.25 L |
| Year 13 | ₹65,317 | ₹25.37 L | ₹11.90 L |
| Year 14 | ₹69,346 | ₹19.12 L | ₹8.46 L |
| Year 15 | ₹73,623 | ₹11.84 L | ₹4.94 L |
| Year 16 | ₹78,164 | ₹3.40 L | ₹1.34 L |
| Year 17 | ₹80,137 | Exhausted | — |
Frequently Asked Questions
What is SWP with inflation adjustment?
A standard SWP withdraws a fixed amount monthly. With inflation adjustment, the withdrawal amount increases every month to maintain purchasing power — so if you withdraw ₹30,000 today at 6% inflation, you withdraw a little more each month. This better models real retirement needs.
What return rate should I use for retirement planning?
Conservative retirees use 7–8% (debt-heavy portfolio). A balanced 50/50 portfolio may target 9–10%. Equity-heavy portfolios may assume 11–12%, but with higher volatility risk. Always model conservatively.
How do I know if my corpus is enough?
If the calculator shows your corpus is exhausted before your target period, you either need a larger starting corpus, a lower monthly withdrawal, a higher return rate, or a combination. A common thumb rule is that a corpus of 25× your annual expenses is a safe retirement target (the '4% rule').