Step-Up SWP Calculator

Estimate systematic withdrawal plan sustainability with annual step-ups to match inflation or cost of living increases.

Parameters
₹
₹ Mo
%
%
Yrs
Yrs
Calculated Results
Remaining Corpus -
Total Payouts -
Corpus Lifespan -
Compounding
Visual Projection
Invested
Corpus
Yearly Breakdowns
YearBeginning BalanceWithdrawnInterest EarnedEnding Balance
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Managing Inflation in Retirement Withdrawals

Stepping up your SWP withdrawals annually helps you preserve purchasing power as inflation drives costs higher.

Formula & Mathematical Approach

Simulates an SWP where the withdrawal amount increases annually by a step-up rate to combat inflation.

Monthly Withdrawal in Year y=Initial Monthly Withdrawal×(1+Step-up %100)y−1\text{Monthly Withdrawal in Year } y = \text{Initial Monthly Withdrawal} \times \left(1 + \frac{\text{Step-up \%}}{100}\right)^{y - 1}
Remaining Corpus is simulated month-by-month incorporating annual step-ups\text{Remaining Corpus is simulated month-by-month incorporating annual step-ups}
Show Plain Text / Excel Formula 
Withdrawal (Year y) = Initial Withdrawal * (1 + Step-up % / 100) ^ (y - 1)
Remaining corpus simulated using monthly loops with annual withdrawal increases.

Key Assumptions

  • The withdrawal amount increases once at the start of each new year.
  • Withdrawals are executed at the beginning of each month.
  • Pre-defined return rate is constant.