Financial & Tax Calculators
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/calculators/retirementRetirement Corpus & Systematic Withdrawal (SWP) Planner
In India, inflation averages ~6% while healthcare and lifestyle costs rise even faster. Calculate your inflation-adjusted future expense, target corpus, and the exact monthly SIP required to retire with financial dignity.
Your Personal Parameters
India historical CPI is ~6%. Healthcare & education inflate at 8-10%.
Today's ₹50,000 inflated over 28 years.
Compounds to this by age 58.
• Step-Up SIP Advantage: If ₹₹19,464 feels high today, you can start with ~₹₹10,705 and increase your SIP by 10% every year with your salary increment.
• Asset Allocation: At retirement, move ~3-5 years of expenses into Arbitrage or Debt funds, keeping the remaining in Conservative Hybrid/Equity to beat inflation through an SWP (Systematic Withdrawal Plan).
Post-Retirement SWP Cash Flow & Longevity Table
Simulating annual withdrawals growing with 6% inflation, while remaining corpus earns 8% return.
| Retire Year | Age | Opening Corpus | Annual SWP Withdrawal | Return (8%) | Closing Corpus |
|---|---|---|---|---|---|
| Year 1 | 59 | ₹6.56 Cr | ₹30.7 L | +₹50.1 L | ₹6.76 Cr |
| Year 5 | 63 | ₹7.31 Cr | ₹38.7 L | +₹55.4 L | ₹7.47 Cr |
| Year 10 | 68 | ₹7.99 Cr | ₹51.8 L | +₹59.8 L | ₹8.07 Cr |
| Year 15 | 73 | ₹8.08 Cr | ₹69.3 L | +₹59.1 L | ₹7.98 Cr |
| Year 20 | 78 | ₹6.96 Cr | ₹92.8 L | +₹48.3 L | ₹6.51 Cr |
| Year 25 | 83 | ₹3.66 Cr | ₹1.24 Cr | +₹19.3 L | ₹2.61 Cr |
| Year 27 | 85 | ₹1.40 Cr | ₹1.40 Cr | +₹0 | ₹0 |
*Showing 5-year intervals for readability. Note that as long as withdrawal rate remains disciplined, your corpus sustains throughout life expectancy.