SWP · withdrawals

An allowance that renews every year.

An SWP is sold as an income stream, but each withdrawal is a redemption — a taxable sale of units. Two things follow that no Indian SWP calculator shows: only the gain inside each withdrawal is taxed, and §112A's ₹1.25 lakh exemption renews every financial year, so a drawdown spread across years claims it again and again.

Corpus today₹What it cost you₹Only the gain inside each withdrawal is taxed, so the basis decides the bill.When you bought itModelled as one purchase — see the assumptions.Withdraw each month₹For how longyearsExpected annual return%On whatever is still invested. Blank models 10% a year.Your US taxable income$Before this gain — it decides which bracket applies.Filing status

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Corpus today
What it cost you
When you bought it
Withdraw each month
For how long
Your US taxable income

Nothing is filled in for you. Anything left grey is an assumption the calculator will state rather than a figure you need to look up.

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