Wealth Drawdown
Planner & SWP
Calculator

Find exactly how long your retirement corpus will last. Model inflation, returns and withdrawal strategies year-by-year for a stress-free retirement.

📉 SWP Strategy⏳ Corpus Longevity🔥 4% Rule📊 Year-by-Year Table

Retirement Drawdown Facts

🎯

4%Safe Withdrawal Rate

📅

30yrTarget Corpus Life

📈

6%India Avg Inflation

💎

25×Expenses = Corpus

💰

₹2Cr corpus @4% SWP

₹66,667/mo

Year 1

🔥

Inflation impact @6% — 10yr

₹66K → ₹1.07L/mo

Needed in Yr 10

📊

Balanced SWP survives

35+ years

@8% return

🏠 Home 💰 Calc 📊 Data 📖 Guide 💡 Tips ❓ FAQ

Wealth Drawdown Planner

How long will your retirement corpus last?

Withdrawal Strategy

Retirement Corpus ₹2 Crore

₹10L₹2.5Cr₹5Cr

Monthly Expenses Today ₹60,000

₹10K₹2.5L₹5L

Return on Corpus 8%

2%8%15%

Expected Inflation 6%

2%6%12%

Corpus Lasts

— yrs

Year-1 Monthly

₹—

Year-10 Monthly

₹—

Real Return

—%

⚠️

Corpus may run short! At this withdrawal rate, corpus depletes in under 30 years. Consider increasing corpus by 20–30% or switching to the 3% Conservative strategy.

📅 Year-by-Year Drawdown

Yr	Monthly SWP	Annual Drawn	Corpus End

Retirement Drawdown — Key Data

Critical numbers for every Indian retiree

🎯

Safe Withdrawal Rate

Trinity Study — 30yr proven

💰

25×

Corpus Rule

Annual expenses × 25

📈

India Inflation Avg

20-yr average

⏰

30yr

Retirement Horizon

Retire 60, plan till 90

🔥

~3%

Real Return

9% portfolio − 6% inflation

📉

SWP

Tax-Efficient Drawdown

Only gains taxed at 12.5%

🏦

6–7%

Best Annuity Rate

LIC Jeevan Akshay ~6.4%

🪣

3-Bucket

Best Strategy

Safe · Income · Growth

📊 Withdrawal Rate vs Corpus Longevity (₹2Cr, 8% return, 6% inflation)

3% Conservative

40+ years ✅

40yr+

4% Rule

33 years

33yr

5% Aggressive

25 years

25yr

6% Rate

17 years ⚠️

17yr

8% Rate

11 years ❌

11yr

🪣 3-Bucket Retirement Strategy

💧

Safety Bucket

FD, Liquid MF · 1–3yr expenses · No risk

Years 0–3

⚖️

Income Bucket

Debt MF, Hybrid · Refills safety bucket

Years 3–10

🚀

Growth Bucket

Equity MF · Beats inflation long-term

Years 10+

Retirement Drawdown Guide

Plan retirement income to last 30+ years

Safe Withdrawal

🎯

The 4% Rule — India Perspective

The Trinity Study showed 4% SWR survives 30 years in 95% of US historical scenarios. In India, higher structural inflation (6% vs 2–3% US) means a safer 3–3.5% withdrawal rate is more prudent. With an equity+debt portfolio earning 9–10%, 4% still works for a 30-year retirement horizon if you start with the right corpus size.

3–4%India Safe SWR

95%Historical Success

30yrTarget Horizon

Key Risk

⚡

Sequence of Returns Risk

A market crash in your first 5 retirement years permanently damages your corpus even if long-term returns recover. The solution: always keep 2–3 years of expenses in liquid assets so you never have to sell equities at market lows during early retirement downturns.

First 5yrMost Dangerous

2–3yrLiquid Buffer

3-BucketSolves This

Tax Strategy

💸

SWP vs Annuity vs FD — Which Wins?

MF SWP: only the gain portion is taxed at 12.5% LTCG above ₹1.25L/year — far superior to FD (100% interest taxable at slab) or annuity (fully taxable as income). For a ₹3Cr corpus in the 30% bracket, SWP saves ₹4–6L annually in taxes vs FD. Use SWP for the first decade, then convert 40% to annuity at age 65+.

12.5%SWP Tax (LTCG)

100%FD Tax (Slab)

SWP WinsPost-Tax

Smart Tactic

📊

Dynamic Withdrawal — 4 Extra Years

Adjust withdrawals ±10% based on portfolio performance: withdraw 3.5% in bear markets (portfolio down 10%+), take 4.5% in bull markets (portfolio up 15%+). This simple rule extends corpus longevity by 4–6 years vs a rigid fixed withdrawal — no complex investing required.

4–6yrExtra Longevity

±10%Adjustment Band

AnnualReview Needed

Inflation Impact

🏠

How 6% Inflation Destroys Corpus

At 6% inflation, ₹60,000/month expenses become ₹1,07,000 in 10 years and ₹1,93,000 in 20 years. A corpus sized for today's expenses will run out far sooner than planned. Always model future inflated expenses — this is the single biggest planning mistake retirees make.

₹1.07L₹60K after 10yr

₹1.93L₹60K after 20yr

ModelFuture Costs

Corpus Formula

🧮

How Much Do You Really Need?

Required Corpus = Annual Expenses × 25 (at 4% SWR). Spending ₹1L/month = ₹12L/year → need ₹3 Crore. But if retiring in 10 years with 6% inflation, those expenses become ₹1.8L/month → need ₹5.4 Crore. Always model future expenses, never today's cost.

25×Annual Expenses

₹3CrFor ₹1L/mo now

₹5.4CrRetiring in 10yr

SWP & Drawdown — Pro Tips

Extend your corpus for 30+ years

Use Balanced Advantage Funds for SWP

Balanced Advantage Funds automatically shift between equity and debt based on market valuations. This naturally reduces sequence-of-returns risk — the biggest threat in early retirement. No manual rebalancing needed, making them the ideal SWP vehicle for most retirees.

📊 BAF Strategy

Keep 2 Years in Liquid Funds Always

Maintain a liquid buffer of 2+ years of monthly expenses. When markets crash, draw from this bucket — never sell equities at a loss. While markets recover (typically 18–30 months), your lifestyle remains unaffected. Replenish the liquid bucket when markets recover above 15%.

💧 Bucket Rule

SWP Saves ₹4–6L Tax vs FD per Year

In MF SWP, only the gain component is taxed. FD taxes 100% of interest at slab rate. On a ₹3Cr corpus in the 30% bracket: SWP annual tax ≈ ₹0.8L vs FD annual tax ≈ ₹5.5L — a ₹4.7L saving every single year. Over 20 years, this compounds to an extraordinary difference.

🧾 Tax Saver

Delay Annuity Purchase to Age 65+

Annuity rates improve 25–30% for a 65-year-old vs a 55-year-old for the same corpus. Use SWP for the first decade, then convert 40–50% to annuity at 65+ for guaranteed lifetime income. This hybrid approach gives both flexibility (SWP) and longevity protection (annuity).

🛡️ Hybrid Strategy

Inflation-Index Your Withdrawals Every Year

Increase your monthly withdrawal by 6% every year to maintain purchasing power. If you withdraw ₹60,000/month in Year 1, withdraw ₹63,600 in Year 2. Fixed withdrawals without inflation indexing are a common fatal mistake that leads to lifestyle cuts in the 70s.

📈 Inflation-Proof

Joint Life Annuity Protects Your Spouse

A joint life annuity continues paying your spouse after your death at 50–100% of original amount. The cost is 10–15% lower monthly income — a small price for the surviving spouse's financial security. Always choose joint life if your spouse has no independent income or pension.

💑 Spouse Security

Frequently Asked Questions

Retirement drawdown and SWP — everything answered