SWP Calculator: Withdrawal & Inflation Scenarios

Systematic Withdrawal Plan Calculator + Inflation Visualizations

Visualize inflation's impact on withdrawals, purchasing power, and investment growth

Inflation-adjusted withdrawals Purchasing power decay Real vs Nominal comparison Equity / Debt tax modes

Initial Investment (₹)

₹10,00,000

Initial Monthly Withdrawal (₹)

₹50,000

The model increases scheduled withdrawals using your inflation assumption, subject to the remaining balance

Assumed Annual Return (%)

10%

Time Period (Years)

20 years

Withdrawal Frequency

Nominal Return

10%

Real Return

4.0%

Assumed Annual Inflation (%)

Enter your inflation assumption. The model applies it at a constant rate.

Increase withdrawals annually with inflation

If checked, withdrawal amount increases each year by inflation rate to maintain purchasing power

Tax & Duties (India)

Instrument Type (for taxation)

Tax Slab (used for Debt slab-tax)

SWP Start (for FY-wise LTCG exemption)

Start Month

Start Year

Apply 4% Health & Education cess on tax

Apply MF stamp duty 0.005% on purchase (reduces units)

Visualization Tips: Use the chart toggles above each graph to switch between different views of inflation impact, withdrawal growth, and purchasing power decay.

Illustrative cash after estimated tax + STT

₹0

Illustrative cash after reserving estimated tax; actual bank credit can differ

Gross Withdrawals

₹0

Final Corpus

₹0

Total Tax (CG)

₹0

Total STT

₹0

Real Return (after inflation)

Nominal return adjusted for inflation

Ending balance / final annual withdrawal

—

Simple ratio under your assumptions; not a safe retirement period

Last Year's Withdrawal

₹0

Purchasing Power Loss

Inflation Impact Summary:

Calculating...

Inflation Impact Visualizations

Visualize how inflation affects withdrawals, purchasing power, and investment growth over time. Use toggles to switch between different views.

Withdrawal Growth Over Time

Illustrative cash after estimated tax Purchasing power

Purchasing Power Decay

Value erosion Money lost to inflation

Corpus: Nominal vs Real

Nominal value Real value

Inflation Impact Dashboard

Real return Power loss

Reading a withdrawal scenario

This calculator applies your chosen contribution, growth, withdrawal and inflation assumptions. The default values are examples, not a suggested investment plan.

A constant return omits market volatility and sequence-of-returns risk. A positive ending balance does not establish that a withdrawal amount is safe. The balance-to-withdrawal ratio is arithmetic, not the number of years your retirement will be funded.

Tax outputs are simplified estimates and do not replace a tax calculation using your actual purchase lots and circumstances. Cash after reserving tax can differ from the amount credited by a fund. Fees, exit loads, exemptions and losses may differ from this model.

This tool does not choose funds or prescribe an equity, debt or international allocation.