Enter how much you want to withdraw every month — find out exactly at what age your corpus runs out, and what to change to make it last longer.
The SWP Depletion Calculator answers the most important question in retirement planning: if I withdraw ₹X every month, at what age will my money run out? This calculator models your complete financial journey — from building your corpus through SIP or lumpsum investment, through your retirement withdrawal phase — to give you a precise depletion age.
Unlike simple corpus calculators, this tool accounts for inflation-adjusted withdrawals — because ₹50,000/month today will need to be ₹89,000/month in 10 years to buy the same things. Your withdrawals automatically increase every year to maintain purchasing power.
Phase 1 — Growth: Your corpus grows through SIP or lumpsum compounding.
For SIP: Corpus = SIP × [(1+r)^n − 1]/r × (1+r) with optional annual step-up
For Lumpsum: Corpus = Investment × (1 + CAGR)^years
Phase 2 — Withdrawal simulation (year by year):
Year-end corpus = (Opening corpus × (1 + return)) − Annual withdrawal
Annual withdrawal = Monthly WD × 12 × (1 + inflation)^year (if inflation-adjusted)
Depletion age = The age at which corpus first hits zero
Immortal threshold = Annual withdrawal ÷ (Return rate − Inflation rate)
If your corpus exceeds the immortal threshold, it never depletes.
1. Choose SIP or Lumpsum and enter your investment details
2. Enter your current age and age to start withdrawals
3. Enter the monthly withdrawal amount you want in retirement
4. Set post-retirement return (7–9% for balanced portfolio) and inflation rate
5. The calculator shows your depletion age, corpus trajectory, and suggestions to extend corpus life
6. Use the sliders to instantly see how changes affect your depletion age
• Invest longer before withdrawing: Every extra year of compounding dramatically extends corpus life
• Start with lower withdrawal: Use 3–3.5% of corpus per year as a safe starting withdrawal rate
• Keep equity in retirement: A 50% equity allocation beats inflation and extends corpus significantly
• Use step-up SIP: Even a 10% annual step-up doubles your final corpus vs flat SIP
• Delay withdrawal start: Every year of delay adds 2–3 years to corpus life in retirement
Use our Immortal SWP Calculator to find the exact monthly amount you can withdraw forever without depleting the corpus.
Immortal SWP Calculator → All 23 calculators →