Why do bank fixed deposits fail during post-retirement distribution?

Bank FD interest is taxed at your income tax slab rate (up to 30%+), and the principal never grows. When inflation runs at 6.0%+, fixed deposit purchasing power rapidly decays. In contrast, an SWP from Equity Savings or Hybrid Mutual Funds enjoys 12.5% LTCG tax treatment and generates capital appreciation to counter inflation.

What happens if my projected retirement corpus has a shortfall?

A shortfall means your corpus will deplete before age 85. To bridge the deficit, you can: (1) increase your monthly SIP by the indicated required amount, (2) institute an annual 10% step-up SIP linked to salary increments, or (3) extend your retirement age by 2–3 years to lengthen compounding runway.

Master Retirement & SWP Cash-Flow Planner

Turn your lifetime corpus into an inflation-proof monthly paycheck.

Toggle seamlessly between wealth accumulation and tax-smart SWP distribution designed to outlast age 85+.

Retirement Lifecycle Phase Mode

Pre-retirement stage: Focuses on required wealth corpus and monthly SIP savings to bridge any retirement deficit.

Current Ageⓘ

Yrs

20 Yrs60 Yrs

Retirement Ageⓘ

Yrs

39 Yrs70 Yrs

Life Expectancyⓘ

Yrs

65 Yrs100 Yrs

Current Monthly Living Expensesⓘ

₹

₹20,000₹4,00,000

Existing Accumulated Savingsⓘ

₹

₹0₹2,00,00,000

Current Planned Monthly SIPⓘ

₹

₹0₹2,50,000

Compounding & Economic Assumptions

Annual Inflationⓘ

4%8.5%

Pre-Retirement Returnⓘ

9%15%

Post-Retirement Returnⓘ

6%10.5%

Target Retirement Corpus Required

₹4,35,85,659

Retirement Longevity & Monthly SWP Sustainability Matrix

How living budgets and inflation alter the required nest egg to prevent outliving your wealth.

Monthly Expense Today	Inflated Expense at 60	Required Target Corpus	30-Year SWP Status
₹40,000 / month	₹1,44,142	₹3,48,68,535	Sustainable to 85+
₹50,000 / month (Current)	₹1,80,177	₹4,35,85,659	Sustainable to 85+
₹1,00,000 / month	₹3,60,354	₹8,71,71,338	Requires ₹40K+ SIP

Frequently Asked Questions & Expert Guidance

The Accumulation Phase occurs during your working career when you systematically save and invest via equity SIPs to build your target retirement nest egg. The Distribution Phase begins at retirement day when you transition your accumulated corpus into a Systematic Withdrawal Plan (SWP) to generate monthly inflation-adjusted pension cash flows.