SWP Calculator & Retirement Simulator
Institutional-grade Systematic Withdrawal Plan engine tailored for Indian investors. Model lump sum mutual fund withdrawals, inflation impact, required corpus, and portfolio longevity with 100% mathematical transparency.
Essential SWP Parameters
Adjust investment corpus, monthly withdrawals, expected returns, and duration.
Automatically increase your payout each year by expected inflation (6%).
Dynamic Withdrawal Strategy & Guardrails
Select rules governing payout adjustments during market crashes or bull markets.
Fixed Nominal Payout
Same exact rupee amount withdrawn every month regardless of market fluctuations or inflation.
Inflation Adjusted Indexing
Increases monthly payout annually by your expected inflation rate to maintain real purchasing power.
Fixed Percentage of Portfolio
Withdraws a fixed % (e.g. 4-5%) of current portfolio balance every year. Eliminates risk of total exhaustion.
Guyton-Klinger Guardrail Rule
Reduces payouts by 10% when SWR exceeds 8% (bear market), and boosts payouts by 5% during bull runs.
Your investment survives the full 25 years with a projected final balance of ₹5.37 Cr.
Interactive Corpus Trajectory
Hover or touch chart points to view exact nominal balance, inflation impact, and cumulative payouts.
Institutional Risk & Health Audit
Multi-dimensional risk analysis assessing sequence-of-returns, longevity, and inflation exposure.
Detailed Risk Breakdown
Your withdrawal rate is 6%. Global benchmarks recommend <= 4% for lifetime capital preservation.
Real net rate of return is 4.0%.
Corpus survives full 25 years with ₹536.7 Lakhs remaining.
Smart Natural Language Insights
Sustainable SWP Plan
+₹536.7 L LeftYour portfolio maintains a positive balance through all 25 years with an estimated final balance of ₹536.75 Lakhs.
Purchasing Power Reality
At 6% expected inflation, the real purchasing value of your final ₹536.75 Lakhs corpus is equivalent to ₹125.06 Lakhs today.
Instant "What-If?" Sensitivity Analysis
Test instant parameter changes and view projected portfolio delta impact.
Advanced Stress Testing & Monte Carlo (1,000 Runs)
Simulate market crash shocks, volatility variances, and Gaussian return distributions over 25 years.
Monte Carlo Confidence Intervals (1,000 Stochastic Iterations)
Multi-Scenario Strategy Matrix
Compare up to 4 parallel retirement withdrawal strategies side-by-side.
Final Remaining Corpus Comparison
AI Financial Coaching Panel
Contextual plain-language advisory analysis powered by financial algorithms.
Complete Cash Flow Schedule
Year-by-year cash flows reconciling opening balance, compound growth, payouts, and taxes. Click any row to expand month-by-month details.
| Period | Opening Balance | Returns Earned | Gross Withdrawal | Taxes Paid | Net Received | Closing Balance | Real Value |
|---|---|---|---|---|---|---|---|
| Year 1 | ₹1,00,00,000 | +₹10,13,617 | -₹6,00,000 | ₹3,061 | ₹5,96,939 | ₹1,04,13,617 | ₹98,24,167 |
| Year 2 | ₹1,04,13,617 | +₹10,56,928 | -₹6,00,000 | ₹8,161 | ₹5,91,839 | ₹1,08,70,544 | ₹96,74,746 |
| Year 3 | ₹1,08,70,544 | +₹11,04,774 | -₹6,00,000 | ₹12,595 | ₹5,87,405 | ₹1,13,75,318 | ₹95,50,937 |
| Year 4 | ₹1,13,75,318 | +₹11,57,630 | -₹6,00,000 | ₹16,489 | ₹5,83,511 | ₹1,19,32,949 | ₹94,52,013 |
| Year 5 | ₹1,19,32,949 | +₹12,16,022 | -₹6,00,000 | ₹19,942 | ₹5,80,058 | ₹1,25,48,970 | ₹93,77,321 |
| Year 6 | ₹1,25,48,970 | +₹12,80,527 | -₹6,00,000 | ₹23,028 | ₹5,76,972 | ₹1,32,29,497 | ₹93,26,274 |
| Year 7 | ₹1,32,29,497 | +₹13,51,787 | -₹6,00,000 | ₹25,806 | ₹5,74,194 | ₹1,39,81,285 | ₹92,98,353 |
| Year 8 | ₹1,39,81,285 | +₹14,30,509 | -₹6,00,000 | ₹28,322 | ₹5,71,678 | ₹1,48,11,794 | ₹92,93,103 |
| Year 9 | ₹1,48,11,794 | +₹15,17,474 | -₹6,00,000 | ₹30,612 | ₹5,69,388 | ₹1,57,29,268 | ₹93,10,130 |
| Year 10 | ₹1,57,29,268 | +₹16,13,546 | -₹6,00,000 | ₹32,709 | ₹5,67,291 | ₹1,67,42,814 | ₹93,49,100 |