New SWP Retirment Calc

Dynamic Multi-Flow 3-Bucket Simulation 🎯

Initial Portfolio & Strategy

Starting Corpus (₹) Years to Simulate Withdrawal-Linked STP Ratio (e.g., 70 for 70% cash / 30% STP) Equity Allocation % to LAE (e.g., 80 for 80% LAE / 20% MAE)

Asset Class Parameters

Debt (20% Tax)

Avg. Return (%) Volatility (%)

Less Aggressive Equity (LAE)

Avg. Return (%) Volatility (%)

More Aggressive Equity (MAE)

Avg. Return (%) Volatility (%)

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Average Annual Inflation Rate (%) Inflation Volatility (%)

Dynamic Cash Flow Schedules (JSON)

Target for Additions/SIPs can be 'Debt' or 'Equity'. 'Equity' uses the ratio above. Use [ ] for no flows.

1. Regular SWP (Inflation Adjusted)

[ {"amount": 480000, "start": 1, "end": 30, "inflate": true} ]

Format: {"amount": 480000, "start": 1, "end": 30, "inflate": true}

2. Lumpsum Withdrawals

[ {"amount": 500000, "start": 5, "end": 5} ]

Format: {"amount": 500000, "start": 5, "end": 5}. Suspended if LAE was negative.

3. Lumpsum Additions

[ {"amount": 1000000, "year": 10, "target": "Equity"} ]

Format: {"amount": 1000000, "year": 10, "target": "Debt"}.

4. SIP Contributions (Inflation Adjusted)

[ {"amount": 120000, "start": 1, "end": 10, "inflate": true, "target": "Equity"} ]

Format: {"amount": 120000, "start": 1, "end": 10, "inflate": true, "target": "Equity"}

5. Scheduled STP (Debt to Equity)

[ {"amount": 100000, "start": 1, "end": 5} ]

Format: {"amount": 100000, "start": 1, "end": 5}. Suspended if LAE was negative.

Market-Linked Suspension Rule: If LAE had a Negative Return in the previous year, Lumpsum Withdrawals and all STP activity are paused for the current year. SWP is never suspended.

Simulation Settings

Consider Tax on Gains (20% Debt, 20%/12.5% Equity STCG/LTCG) Number of Simulations

Simulation Results

Click "Run Dynamic Multi-Flow Simulation" to see the detailed report.