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.Your US taxable income$Before this gain — it decides which bracket applies.Filing status

Reading in

Run this against what you actually hold

Connect or upload your Indian and US accounts and the same engine runs across every lot you own — with the real purchase dates and the real exchange rate on each of them.

Get started — free