Retirement Planning

SWP Retirement Plan: ₹20 Lakhs Capital Analysis

Project compounding returns and balance depletion curves of a ₹20 Lakhs portfolio withdrawing ₹12,000 monthly.

Withdrawal Parameters

Initial Retirement Capital (INR)₹20,00,000

Initial Monthly Withdrawal (INR)₹12,000

Expected Return Rate (% APR)10%

Withdrawal Horizon (Years)20 Years

Adjust Payouts for InflationIncreases monthly withdrawals annually by inflation rate.

Annual Inflation Rate (%)6%

Remaining Capital

₹0

At Horizon End

Total Withdrawals

₹0

Lifecycle Payouts

Capital Depletion

Never Depleted

Payoff Longevity

Asset Sustainability Assessment

✅ **Lifetime Capital Preserved:** Portfolio value continues compounding safely beyond the 20-year horizon under current withdrawal splits!

Retirement Wealth Amortization Curve

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SWP Retirement Plan: ₹20 Lakhs Capital Analysis

Withdrawal Parameters

Retirement Wealth Amortization Curve

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