Post-tax investment calculators for India

Yield is the CTC.
Kitna kaafi is in-hand.

Every instrument quotes a headline rate. Tax decides what reaches your bank account. Split a corpus across four sleeves below and see the difference in year 1 — alongside a 30-year projection and a month-by-month payout calendar.

What 8.0% promises
₹66,667 /mo
₹1.00 Cr × 8.0% · pre-tax
After your 30% (incl. cess) slab
₹45,867 /mo
Interest is taxed at your slab · corpus stays ₹1.00 Cr.
8.0% FD, in-hand
₹45,867 /mo
Same ₹45,867/mo from above — the FD baseline a smart mix should beat.
What actually lands · year 1
₹50,447 /mo
Balanced split on ₹1.00 Cr · after all sleeve taxes.
Presets
Guaranteed25%Tax-free15%InvIT/REIT20%Equity SWP40%
Your target · monthly income
₹1,00,000/mo
₹25,000₹5,00,000
Kitna kaafi?
Abhi kaafi nahi
₹49,553/mo aur chahiye — in-hand ₹50,447/mo
Annual net · year 1
₹6.1 L
Post-tax, all sleeves
All-FD baseline
₹5.5 L
Same corpus, all guaranteed
Effective tax
12.23%
Weighted across sleeves
Equity sleeve
Year 30
Survives the horizon
Corpus₹1.00 Cr
Total corpus you're planning around.
Your income tax slab
The slab hits the guaranteed sleeve hardest.
Allocationalways 100%

Guaranteed₹25.0 L

RBI floating-rate bond family
Share25.0%

Tax-free bonds₹15.0 L

Legacy PSU — exchange traded
Share15.0%

InvIT / REIT₹20.0 L

Quarterly distributions
Share20.0%

Equity SWP₹40.0 L

Hybrid funds, monthly draw
Share40.0%
Assumptions
Projection horizon30 yrs
Monthly income, post-tax
When cash lands · year 1avg ₹50,447/mo
GuaranteedTax-free bondsInvIT / REITEquity SWP

Lean months run ₹18,333 against ₹1,06,833 in coupon months (average ₹50,447). Keep roughly ₹88,500 in a sweep account after coupon months so lean months still feel like the average.

Year by year
YearMonthlyToday's ₹All-FDCorpusEquity sleeve
1₹50,447₹50,447₹45,867₹1.02 Cr₹42.1 L
5₹54,825₹44,256₹45,867₹1.12 Cr₹51.6 L
10₹60,757₹37,526₹45,867₹1.26 Cr₹66.2 L
15₹68,422₹32,334₹45,867₹1.45 Cr₹84.6 L
20₹78,603₹28,421₹45,867₹1.67 Cr₹1.07 Cr
25₹92,036₹25,462₹45,867₹1.95 Cr₹1.35 Cr
30₹1,09,692₹23,220₹45,867₹2.26 Cr₹1.66 Cr

Fixed sleeves are modelled as perpetual; FRSB matures at 7 years and legacy tax-free bonds between 2033–35, so both assume reinvestment at the same rate. The equity sleeve tracks cost basis monthly, so tax reflects only the gain inside redeemed units. Returns are smoothed averages — a real equity path has down years, and drawing through one is the risk this model does not show. Illustrative, not investment advice.