SWP Retirement Cash Flow & Corpus Sustainability Calculator Pro
Simulate post-retirement regular income streams from your mutual fund corpus. Calculate inflation-adjusted annual withdrawal step-ups, evaluate Section 112A capital gains tax advantages over traditional FDs, and generate an audit-ready A4 Post-Retirement Cash Flow Statement.
savings 1. Corpus & Monthly Withdrawal
tune 2. Annual Inflation Step-Up & Asset Mode
person 3. Investor & Advisory Profile
info Understanding SWP vs. Fixed Deposits & Annuities in India
A Systematic Withdrawal Plan (SWP) allows retirees to redeem a predetermined sum from their mutual fund corpus each month. Unlike Fixed Deposit interest or insurance pensions (annuities) which are fully taxable as regular income under your slab rate up to 39%, SWP cash flows enjoy significant tax advantages:
- Principal vs Gain Pro-rata: Each SWP instalment consists of both original capital and capital gains. Only the gains portion is subject to tax, leaving the principal component tax-free.
- Budget 2026 LTCG Exemption: In equity-oriented mutual funds, long-term capital gains up to ₹1.25 Lakh per financial year are 100% tax-exempt under Section 112A, and gains beyond are taxed at a flat concessional rate of 12.5%.
- Inflation Protection: With an annual step-up withdrawal rate, your monthly cash flow increases year-over-year to maintain your purchasing power against rising inflation.
RETIREMENT CASH FLOW & SWP STATEMENT
Systematic Withdrawal Plan (SWP) Longevity & Post-Retirement Cash Flow Schedule
Annual Cash Flow & Corpus Balance Trajectory (figures in Indian Rupees ₹)
| Year | Opening Corpus | Monthly Payout | Annual Withdrawn | Capital Growth | Closing Corpus |
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Under Section 112A of the Income Tax Act, only the capital gains embedded in the units redeemed each month are assessed for tax. Over the modeled 20-year tenure, the investor receives a cumulative income of ₹0.00 while retaining an estimated residual terminal wealth of ₹0.00.