Master Retirement & SWP Cash-Flow Planner
Turn your lifetime corpus into an inflation-proof monthly paycheck.
Toggle seamlessly between wealth accumulation and tax-smart SWP distribution designed to outlast age 85+.
Timeline Milestones
Yrs
20 Yrs65 Yrs
Yrs
40 Yrs75 Yrs
Yrs
70 Yrs100 Yrs
Living Budget & Existing Savings
₹
₹15,000₹10,00,000
Core monthly living budget in today's rupee terms.
₹
₹0₹10,00,00,000
Include EPF, PPF, NPS, mutual funds, and equities reserved for retirement.
₹
₹0₹10,00,000
Ongoing or planned monthly mutual fund SIP contributions.
Market & Inflation Assumptions
%
3%12%
Assumed long-term inflation rate for growing living expenses.
%
6%18%
Equity portfolio CAGR during accumulation phase.
%
5%12%
Conservative hybrid / debt SWP portfolio withdrawal return.
Total Expected Value on Retirement Day
₹4,32,09,734
SWP Tax Efficiency vs. Traditional Bank FD (₹1 Crore Corpus)
Assuming ₹60,000/month (₹7,20,000/year) withdrawal for an investor in the 30% tax slab.
| Feature | Bank Fixed Deposit | Mutual Fund SWP (Hybrid) | Annual Investor Advantage |
|---|---|---|---|
| Pre-Tax Yield | 7.0% p.a. | 8.0% - 9.0% p.a. | +1.5% Higher Compounding |
| Annual Tax Liability | ₹2,18,400 (Full 30% slab) | ₹18,500 (12.5% on gain portion only) | ₹1,99,900 Tax Saved Yearly |
| Inflation Protection | Zero (Capital erodes) | High (Equity growth portion) | Corpus outlives investor |
Frequently Asked Questions & Expert Guidance
Insurance annuities typically lock in your principal forever and offer rigid 5.5% to 6.5% taxable returns with no inflation indexing. An SWP leaves your capital in open-ended mutual funds where it continues compounding, allows you to increase or decrease monthly payouts anytime, and passes the entire remaining principal to your nominees.