Retirement & SWP Planner Inflation-adjusted · post-tax · stress-tested

Inflation-adjusted expenses, post-tax systematic withdrawals, and sequence-of-returns stress testing — so the plan survives a bad first decade, not just an average one.

Educational use only. This is a projection tool built to illustrate how inflation, taxation and the order of market returns interact. It is not financial, investment, tax or legal advice, and no output here is a recommendation to buy, sell or hold anything. Figures depend entirely on assumptions you enter, and real markets will not follow them. Tax rules vary by country and change — set the rates for your own jurisdiction and consult a qualified, licensed adviser before acting.
Your assumptions

Inputs

You & your goal
Accumulation
Retirement & SWP
Guideline: an inflation-adjusted initial withdrawal rate of 4%–6% is the usual sustainable band — but it only holds when returns beat inflation by a wide margin. At 8% returns against 6% inflation the real return is just 1.9%, so the honest ceiling is the Max safe withdrawal figure the tool computes, not the rule of thumb.
Taxation on redemptions
Tax is charged only on the gain portion of each redemption, computed from the running cost basis — so you must sell a little more than you spend. The planner grosses up every withdrawal automatically.
Sequence-of-returns stress test
Display

Corpus trajectory — stress scenario vs steady returns

Stress scenario Steady returns (baseline) Crash years Retirement begins

Annual withdrawal — what you spend vs what the tax takes

Net spendable (inflation-adjusted) Capital-gains tax on redemption Withdrawal as % of corpus

Year-by-year breakdown

Swipe the table sideways to see every column →