SWP Calculator & Retirement Simulator
Institutional-grade Systematic Withdrawal Plan model featuring 6 calculation modes, 1,000-run Monte Carlo stress testing, scenario comparison, and real-time risk analytics.
Calculator Parameters
Configure investment capital, return expectations, and payout rules.
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Same exact rupee amount withdrawn every month regardless of market fluctuations or inflation.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.
Interactive Visual Analytics
Hover over points to inspect yearly corpus balances, cash flows, and inflation impact.
Institutional Risk & Health Audit
Multi-dimensional risk analysis assessing sequence-of-returns, longevity, and inflation exposure.
Detailed Risk Breakdown
Your withdrawal rate is 6%. Benchmarks recommend <= 4% for lifetime preservation.
Real net rate of return is 4.0%.
Corpus survives full 25 years with ₹466.8 Lakhs remaining.
Smart Natural Language Insights
Sustainable Portfolio
+₹466.8 L LeftYour portfolio maintains positive balance through all 25 years with an estimated final balance of ₹466.81 Lakhs.
Inflation Purchasing Power Impact
At 6% expected inflation, your closing corpus real purchasing power after 25 years is equivalent to ₹108.77 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.
Year-by-Year Withdrawal Schedule
Detailed cash flow schedule breakdown including tax, growth, and inflation adjustments.
| Year | Opening Balance | Interest Earned | Gross Withdrawal | Tax Paid | Net Received | Closing Balance | Real Value |
|---|---|---|---|---|---|---|---|
| Year 1 | ₹1,00,00,000 | +₹9,72,973 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,03,72,973 | ₹97,85,824 |
| Year 2 | ₹1,03,72,973 | +₹10,10,270 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,07,83,244 | ₹95,97,048 |
| Year 3 | ₹1,07,83,244 | +₹10,51,298 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,12,34,541 | ₹94,32,737 |
| Year 4 | ₹1,12,34,541 | +₹10,96,427 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,17,30,968 | ₹92,92,026 |
| Year 5 | ₹1,17,30,968 | +₹11,46,070 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,22,77,038 | ₹91,74,117 |
| Year 6 | ₹1,22,77,038 | +₹12,00,677 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,28,77,716 | ₹90,78,281 |
| Year 7 | ₹1,28,77,716 | +₹12,60,745 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,35,38,460 | ₹90,03,849 |
| Year 8 | ₹1,35,38,460 | +₹13,26,819 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,42,65,279 | ₹89,50,213 |
| Year 9 | ₹1,42,65,279 | +₹13,99,501 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,50,64,781 | ₹89,16,820 |
| Year 10 | ₹1,50,64,781 | +₹14,79,451 | -₹6,00,000 | ₹30,000 | ₹5,70,000 | ₹1,59,44,232 | ₹89,03,176 |