monthly investment is 100000, step up 10% yearly, yearly return rate 8%, investment tenure = 120 months, current monthly expense = 50000, inflation 7 percent, assume i am not withdrawing anything from the investment during those 120 months, after that i will stop sip and will continue withdrawing money from corpus for my monthly expense after 10 years. how long will funds last

To solve this problem, we need to consider two phases:

1. **Accumulation Phase (First 120 months or 10 years):**  
   You invest a certain amount monthly, with a 10% step-up each year, and an 8% annual return rate on your investments.

2. **Withdrawal Phase (After 10 years):**  
   After 10 years, you stop investing and start withdrawing money from the corpus to cover your monthly expenses, which grow at a 7% annual inflation rate.

### Step 1: Accumulation Phase

- **Monthly Investment** starts at 100,000 and increases by 10% each year.
- **Return Rate:** 8% per annum (compounded monthly).

Let's calculate the accumulated corpus after 10 years.

### Step 2: Withdrawal Phase

- **Initial Monthly Expense:** 50,000, with an annual inflation rate of 7%.
- We'll calculate how long the corpus will last with the given withdrawal amount increasing annually.

Let's perform the calculations step-by-step.The accumulated corpus will last for **729 months**, which is approximately **60 years and 9 months**. 

This means that after 10 years of investing with the specified parameters, your funds will last for about 60 years and 9 months when you start withdrawing money to cover your expenses, which increase at an inflation rate of 7% per annum.

### Next Steps:
If you'd like to understand any step in detail or have more questions, let me know!

### Related Questions:
1. What would happen if the inflation rate was different, say 5% or 10%?
2. How would a different annual return rate affect the corpus longevity?
3. What if I increase the step-up rate to 15% annually?
4. How does a different initial monthly investment amount (e.g., 80,000 or 120,000) affect the outcome?
5. How much corpus will I have at the end of 10 years with different step-up rates?

### Tip:
Always consider inflation when planning long-term financial goals, as it can significantly affect purchasing power and corpus longevity over time.

Learn how to plan your investments effectively with step-up rates, annual returns, and inflation adjustments. Calculate how long your funds will last after investing for 10 years without withdrawals, followed by monthly withdrawals adjusted for inflation. Suitable for adults interested in financial planning.

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