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♾️ Immortal SWP Calculator — Perpetual Corpus
Find what corpus makes your monthly withdrawals permanent — returns cover withdrawals forever with zero principal erosion.
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Projection table
What is the immortal corpus concept?▾
The immortal corpus (or perpetual corpus) is a corpus size where annual investment returns exactly equal annual withdrawals — so the principal never decreases. If your return rate is 8% and inflation is 6%, your real return is 2%. To sustain ₹50,000/month = ₹6L/year, you need ₹6L/0.02 = ₹3 crore as the immortal corpus.
What is a safe withdrawal rate for India?▾
India's safe withdrawal rate (SWR) is 3–3.5% of corpus annually, accounting for 6% inflation and 8–9% post-retirement returns. This is lower than the US 4% rule due to higher Indian inflation.