Bench9 tools

SWP Calculator

Draw an income that keeps pace with inflation, and see how long the corpus holds out.

₹
₹
% / year
% / year
25 years

The withdrawal rises 6% a year to hold its purchasing power, which is what drains a corpus faster than a flat one would.

Corpus lasts21.3 yrsit runs dry before year 22
Withdrawn₹2,46,05,429over 25 years, in total
Last withdrawal₹2,02,447a month, up from ₹50,000
What is left, year by year
BalanceWithdrawn
₹0.00₹2,46,05,429starty4y8y12y16y20y25
While the balance still earns more than you take, it holds — the fall steepens once it does not.
Year by year
YearMonthlyWithdrawnBalance
Year 1₹50,000₹6,00,000₹1,02,03,349
Year 2₹53,000₹12,36,000₹1,03,85,977
Year 3₹56,180₹19,10,160₹1,05,43,908
Year 4₹59,551₹26,24,770₹1,06,72,701
Year 5₹63,124₹33,82,256₹1,07,67,404
Year 6₹66,911₹41,85,191₹1,08,22,499
Year 7₹70,926₹50,36,303₹1,08,31,851
Year 8₹75,182₹59,38,481₹1,07,88,645
Year 9₹79,692₹68,94,790₹1,06,85,318
Year 10₹84,474₹79,08,477₹1,05,13,489
Year 11₹89,542₹89,82,986₹1,02,63,875
Year 12₹94,915₹1,01,21,965₹99,26,210
Year 13₹1,00,610₹1,13,29,283₹94,89,145
Year 14₹1,06,646₹1,26,09,040₹89,40,148
Year 15₹1,13,045₹1,39,65,582₹82,65,389
Year 16₹1,19,828₹1,54,03,517₹74,49,618
Year 17₹1,27,018₹1,69,27,728₹64,76,031
Year 18₹1,34,639₹1,85,43,392₹53,26,122
Year 19₹1,42,717₹2,02,55,995₹39,79,526
Year 20₹1,51,280₹2,20,71,355₹24,13,844
Year 21₹1,60,357₹2,39,95,636₹6,04,453
Year 22₹1,69,978₹2,46,05,429₹0.00
Year 23₹1,80,177₹2,46,05,429₹0.00
Year 24₹1,90,987₹2,46,05,429₹0.00
Year 25₹2,02,447₹2,46,05,429₹0.00
Illustrative maths only — a steady return is an assumption, and a bad first few years hurts a withdrawal plan far more than a bad late one.