INCOME TAX
SWP Calculator
Explore withdrawals, inflation and how long a starting corpus may last.
Browser-only calculation: your inputs stay in this browser. Educational estimates; verify eligibility and current official rules before acting.
Full tax computation
| Computation | Old regime | New regime |
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Detailed calculation breakdown
Explore the projection schedule
Illustrative values based on the assumptions above.
UNDERSTAND THE CALCULATION
How to use SWP Calculator
Explore withdrawals, inflation and how long a starting corpus may last.
Inputs and definitions
Starting corpus, withdrawal amount and frequency, inflation, assumed return and projection period.
Method and formula
Update the investment balance with the assumed return and withdrawals over time. The constant-return projection does not reproduce market sequence risk or future tax rules.
Illustrative example
At a 0% return, no withdrawal increase and no fees or tax, ₹12 lakh supports 120 monthly withdrawals of ₹10,000. Actual returns and withdrawals can shorten or lengthen that period.
COMMON QUESTIONS
Before you use the result.
Is a withdrawal the same as investment income?
No. A withdrawal can include your own capital as well as growth. A regular withdrawal facility does not guarantee a return or preserve the starting corpus.
Why can the corpus run out despite a positive return?
Withdrawals and their increases can exceed investment growth. A constant-return model also does not capture the harm that poor early returns can cause during withdrawals.
Are taxes and market fluctuations modeled?
Use the displayed assumptions and exclusions. This projection uses the entered return and withdrawal schedule; it is not a transaction-level capital-gains tax calculation or a simulation of future market paths.
Read these answers with the selected period, calculation scope and official sources below.
Scope and limitations
A systematic withdrawal is a sale of investments, not guaranteed income. The schedule excludes tax unless explicitly stated.
These examples explain the method. The interactive result depends on the selected facts and period, and is not a filing or an eligibility confirmation.
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