♾️ Immortal SWP Calculator

Find the maximum monthly withdrawal that keeps your corpus alive forever — growing or staying the same, never depleting.

Step 1 — Choose investment type

Monthly SIP amount (₹)

₹

₹1,000₹2,00,000

Annual step-up (%)

0% = flat SIP • 10% = increase 10% every year

SIP growth period

yrs

1 yr45 yrs

How long you invest before withdrawals start

Expected CAGR during growth (%)

4%20%

Lumpsum investment (₹)

₹

Growth period (leave untouched)

yrs

Expected CAGR during growth (%)

Step 2 — Withdrawal details

Your current age

yrs

Age to start withdrawals

yrs

When your SWP begins (retirement age)

Immortal until age (life expectancy)

yrs

Max 100. The corpus must survive till this age.

Post-withdrawal return (%)

Conservative return after retirement (7-9%)

Inflation rate (%)

Withdrawal adjustment

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Year-by-year projection

What is the Immortal SWP Calculator?

The Immortal SWP (Systematic Withdrawal Plan) Calculator is a unique tool that tells you the maximum amount you can withdraw every month from your investment corpus — without ever depleting the principal. The corpus either stays the same or grows, even as you withdraw every month for the rest of your life.

This calculator works in two phases: first your growth phase (where your SIP or lumpsum investment compounds), then your withdrawal phase (where SWP begins at your retirement age). The key insight: your withdrawals are adjusted for inflation every year, so your purchasing power never erodes.

How is the Immortal Withdrawal calculated?

Phase 1 — Growth phase (SIP or Lumpsum):
For SIP: Corpus at withdrawal age = SIP × [(1+r)^n − 1]/r × (1+r)
For Lumpsum: Corpus = Investment × (1 + CAGR)^years

Phase 2 — Maximum immortal withdrawal:
The immortal withdrawal is the highest monthly amount where the corpus at end of life expectancy ≥ starting corpus at retirement.

With inflation adjustment: Each year's withdrawal = Previous year × (1 + inflation)
The calculator uses binary search to find the exact maximum sustainable withdrawal amount.

Real return = Post-retirement return − Inflation rate
If real return > 0, corpus can sustain inflation-adjusted withdrawals indefinitely. If real return ≤ 0, the maximum withdrawal is limited to avoid depletion.

How to use this calculator

1. Choose SIP or Lumpsum — select your investment method
2. Enter your monthly SIP amount (or lumpsum) and expected CAGR during growth
3. Enter your current age and age to start withdrawals (retirement age)
4. Set life expectancy age — the corpus must survive until this age (use 85-100)
5. Choose inflation rate — 6% is recommended for India
6. Click Calculate — the tool shows your maximum sustainable monthly withdrawal
7. If your corpus is not enough, the yellow suggestion box shows exactly what to change

Benefits of planning for an Immortal Corpus

• Never fear running out: The corpus sustains itself — returns cover withdrawals permanently
• Inflation-protected income: Your monthly withdrawal increases every year with inflation, maintaining purchasing power
• Legacy for children: The principal is preserved — your children inherit the full corpus
• True financial freedom: Work becomes optional forever — not just for 20-30 years
• Peace of mind: One number tells you exactly how much you can spend every month for life

Frequently asked questions

What is the difference between Immortal SWP and regular SWP?▾

Regular SWP withdraws a fixed amount every month — the corpus depletes over time. An Immortal SWP limits withdrawals to the real return generated, so the principal never decreases. Regular SWP asks "how long will money last?" — Immortal SWP asks "how much can I withdraw forever?"

What return rate should I use for the withdrawal phase?▾

Most retirees shift to a conservative portfolio of 50% equity + 50% FD/bonds. This gives 7-9% blended returns. Use 8% as a baseline. If you are more aggressive (70% equity), use 9-10%. If very conservative (mostly FDs), use 6-7%.

Why does inflation reduce my immortal withdrawal amount?▾

Because your withdrawals must increase every year with inflation to maintain purchasing power. At 6% inflation, ₹50,000/month today needs to become ₹89,000/month in 10 years to buy the same things. This higher future withdrawal means the corpus must work harder, reducing the starting safe withdrawal amount.

Is the immortal corpus achievable for a middle class family?▾

Yes, for a disciplined dual-income family. A couple saving ₹30,000-50,000/month via SIP for 20-25 years in equity funds (12% CAGR) can build ₹3-5 crore — enough for an immortal withdrawal of ₹50,000-80,000/month in retirement, adjusted for inflation.

What if my calculator shows corpus will deplete?▾

The yellow suggestion box below the results tells you exactly what to change — increase SIP by a specific amount, add years to growth period, or reduce withdrawal expectations. Even small changes (₹2,000 more per month in SIP, or 2 more years of investing) can make the corpus immortal.

Plan your complete financial independence

Use our FIRE Corpus Calculator to find your total retirement target, then come back here to calculate your immortal monthly withdrawal.

FIRE Corpus Calculator → All 23 calculators →