Retirement Income Options

FD interest, annuity or SWP — compare the income each gives.

Planning a regular income from your savings?

We can help you set up withdrawals that balance income today with money that lasts.

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About this calculator

The same retirement corpus can pay very different incomes depending on how you draw it. Compare FD interest, an annuity and an SWP — including what inflation does to each.

How is this calculated?

FD and annuity income = corpus × rate ÷ 12, after tax at your slab. SWP income is the starting withdrawal that rises with inflation every year and uses up the corpus over the chosen years. The chart converts every income into today’s money.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.