SWP Calculator With Inflation — Growing Withdrawals
Same as the SWP calculator, but your monthly withdrawal grows every year to keep pace with inflation.
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Formula
Each month: balance ← balance × (1+i) − W_current, where the withdrawal rises by the inflation rate g every 12 months. Inflation is the silent killer of fixed withdrawals — ₹8,000 today buys roughly what ₹14,327 will in 10 years at 6% inflation.
Examples
Input
Result
₹10,00,000 · 8% · ₹8,000/mo · 6% infl · 10 yrs
₹3,62,753 after 10 years
₹5,00,000 · 6% · ₹5,000/mo · 5% infl · 5 yrs
₹2,91,145 after 5 years
₹20,00,000 · 7% · ₹15,000/mo · 4% infl · 15 yrs
Corpus depleted in month 168 (14.0 years)
Frequently Asked Questions
Why add inflation to an SWP?
A fixed ₹8,000 withdrawal buys less every year. Most retirees raise their withdrawal annually to keep their spending power — this model shows what that does to the corpus.
What inflation rate should I use?
Long-run consumer inflation in India has averaged roughly 5–7%. Using 6% is a reasonable middle estimate for planning.
Is the result still an estimate?
Yes — constant return, fixed growth rate, no taxes or fund expenses. Real-world results vary; use it to compare scenarios, not to predict.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, investment, tax or legal advice. Results are estimates — actual returns, rates and terms vary. Consult a qualified financial professional before making financial decisions.