Step-up SWP Calculator
Model a withdrawal that rises each year to keep pace with inflation, and see how long the corpus survives.
Why step up an SWP?
A flat withdrawal loses purchasing power every year to inflation. Stepping up the withdrawal — often by 5% to 7% annually — keeps your real income steady, so the ₹40,000 you draw ten years from now still buys what ₹40,000 buys today.
What is the trade-off?
Rising withdrawals pull more out of the corpus over time, so it lasts fewer years than a fixed withdrawal from the same starting point. The calculator shows exactly when a stepped-up plan would run dry.
💡 Worked example
From ₹50 lakh, start at ₹30,000 a month and step up 6% a year at a 10% return. The rising withdrawal draws down the corpus faster than a flat ₹30,000 plan — the calculator shows whether it still lasts your full horizon.