Financial Planning Tools

SWP Retirement Planner

Enter your corpus and desired monthly income — see if the math works, and how your portfolio looks after 15 years.

My corpus (total investment)

₹

1Cr2Cr3Cr5Cr10Cr

₹2.00 Cr

We recommend a withdrawal rate of upto 4% for a sustainable plan. Between 4–6% is generally safe. Above 6%, the final corpus can be significantly affected over time.

Monthly withdrawal (SWP)

₹

50K1L1.5L2L2.5L3L

₹50,000 / month

Withdrawal Rate3.00%

↑ Corpus growing

Portfolio settings

Equity allocation

75%

Equity return (p.a.)

0102030405060

11.0%

Debt return (p.a.)

05101520

7.0%

Blended portfolio return10.0%

Eq 11.0% × 75% + Debt 7.0% × 25%

After 15 years

₹6.45 Cr

↑ grew from starting corpus

Total income drawn₹90.00 L

Est. tax paid₹7.44 L

Withdrawal rate3.00% — Very conservative

Annual surplus / deficit+₹14.0 L

Corpus with SWPNo withdrawal

Corpus grows to ₹6.45 Cr after 15 years — the portfolio is fully self-sustaining. Total income drawn over 15 years: ₹90.00 L · Est. tax paid: ₹7.44 L.

SWP strategy

Mixed SWP — equity + debt

SWP sourceBoth equity & debt

Equity LTCG rate12.5% above ₹1.25L

Debt tax rate20% slab

TipConsider debt-first SWP

Tax implications (annual)

Income tax slab

Equity LTCG tax₹28,571

Debt tax @ 20%₹21,000

Total annual tax₹49,571

Effective rate8.3%

Net monthly in-hand₹45,869

Key tax rules — new regime (FY 2025-26)

Equity MF STCG (held <1 yr)20% flat

Equity MF LTCG (held >1 yr)12.5% above ₹1.25L/yr

Debt MF gains (all periods)At income slab rate

SWP — what is taxed?Gain portion only

Rebate u/s 87A (new regime)Zero tax up to ₹12L income

Indexation on debt MFRemoved April 2023

Important: All calculations are indicative, based on assumed constant returns and current tax rules. Actual returns will vary. This tool does not account for inflation on withdrawals, exit loads, expense ratios, or STCG scenarios.