Plan your post-retirement monthly cash withdrawals, evaluate fund longevity, and model remaining portfolio balances.
Calculate regular monthly pension cash flow and simulate final balance
✓ Sustainable Strategy: Your withdrawal rate (7.2%) is within or below your portfolio return (8%). Your capital can last indefinitely or grow over time.
₹50,00,000
₹54,00,000
₹61,53,461
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Total Cash Withdrawn | Interest Earned | Remaining Portfolio |
|---|---|---|---|
| Year 1 | ₹3,60,000 | +₹4,01,500 | ₹50,41,500 |
| Year 2 | ₹7,20,000 | +₹8,06,444 | ₹50,86,444 |
| Year 3 | ₹10,80,000 | +₹12,15,119 | ₹51,35,119 |
| Year 4 | ₹14,40,000 | +₹16,27,833 | ₹51,87,833 |
| Year 5 | ₹18,00,000 | +₹20,44,923 | ₹52,44,923 |
| Year 6 | ₹21,60,000 | +₹24,66,751 | ₹53,06,751 |
| Year 7 | ₹25,20,000 | +₹28,93,711 | ₹53,73,711 |
| Year 8 | ₹28,80,000 | +₹33,26,229 | ₹54,46,229 |
| Year 9 | ₹32,40,000 | +₹37,64,765 | ₹55,24,765 |
| Year 10 | ₹36,00,000 | +₹42,09,820 | ₹56,09,820 |
| Year 11 | ₹39,60,000 | +₹46,61,935 | ₹57,01,935 |
| Year 12 | ₹43,20,000 | +₹51,21,695 | ₹58,01,695 |
| Year 13 | ₹46,80,000 | +₹55,89,735 | ₹59,09,735 |
| Year 14 | ₹50,40,000 | +₹60,66,742 | ₹60,26,742 |
| Year 15 | ₹54,00,000 | +₹65,53,461 | ₹61,53,461 |
When retirees leave ₹50 Lakhs in a fixed deposit, the entire ₹3.5 Lakh annual interest is added to taxable income and taxed at up to 30%. With an SWP from an equity hybrid fund, monthly withdrawals are treated as capital redemptions. Because only a fractional percentage of each redemption represents taxable capital gain, the effective tax burden is drastically lower.
A Systematic Withdrawal Plan (SWP) allows an investor to withdraw a predetermined, fixed sum of money from their mutual fund corpus at regular monthly intervals. It is widely considered the most tax-efficient method to generate regular monthly income or retirement pension in India.