SWP with tax - crash or extended sideways markets scenario - SIPs Lumpsum Additions & Withdrawals Inflation volatility ver2

Retirement Withdrawal & SORR Calculator

Initial & Withdrawal Details

Current Retirement Corpus (₹)

Total Withdrawal Period (Years)

Starting Monthly Withdrawal (₹)

Start Withdrawal From Year

Inflation & Withdrawal Increase

Expected Inflation Rate (Mean %)

Inflation Volatility (Std Dev %)

Annual Withdrawal Increase Rate (%)

Withdrawal Increase Frequency (Years)

Stop Increases After Year (0 for Never)

Consider Capital Gains Tax in Withdrawal?

Debt Fund Tax Rate on Gains (%)

Equity LTCG Rate (%)

Equity STCG Rate (%)

Asset Class Returns & Volatility (for Monte Carlo)

Debt Fund Return (Mean %)

Debt Fund Volatility (Std Dev %)

Less Aggressive Equity Return (Mean %)

Less Aggressive Volatility (Std Dev %)

More Aggressive Equity Return (Mean %)

More Aggressive Volatility (Std Dev %)

Systematic Transfer Plan (STP)

Monthly STP from Debt to Equity (₹)

Allocation to Less Aggressive Equity (%)

Rebalance Frequency (Years, 0 for None)

Future Contributions (SIP/Lumpsum)

Enable Future SIPs?

Amount (₹)	Start Year	Stop Year	Frequency	Allocation	Step-up	%	₹	Action
			Monthly Quarterly Half-Yearly Yearly	Less Aggressive More Aggressive Debt	None Percentage Amount

Enable Lumpsum Contributions?

Amount (₹)	Year	Fund	Action
		Debt Less Aggressive More Aggressive

Ad-hoc Lumpsum Withdrawals

Enable Ad-hoc Lumpsum Withdrawals?

Amount (₹)	Year	Fund to Withdraw From	Action
		Debt Less Aggressive More Aggressive

Stress Testing

Enable One-time Market Crash?

Crash Year

Crash Magnitude (%)

Enable Sideways/Low Return Period?

Start Year

End Year

Annual Return During Period (%)