Illustration
Full math for every number on the flagship screen, worked out for a ₹1 Cr corpus · Balanced preset · 30% slab · 8% FD baseline. Change any of those and the formulas below still apply — just re-substitute your values.
How ₹1 Cr splits across four sleeves
The Balanced preset assigns a fixed percentage to each sleeve. Every rupee is deployed — the shares always sum to 100%.
| Sleeve | Share | Amount |
|---|---|---|
| Guaranteed (FRSB / bond family) | 25% | ₹25,00,000 |
| Tax-free bonds | 15% | ₹15,00,000 |
| InvIT / REIT | 20% | ₹20,00,000 |
| Equity SWP | 40% | ₹40,00,000 |
| Total corpus | 100% | ₹1,00,00,000 |
Each sleeve produces year-1 income
Different sleeves are taxed differently. That's the whole point — post-tax cash flow depends on the mix, not just the headline yields.
Guaranteed sleeve₹1,38,460 /yr
Fixed-coupon bonds (RBI floating-rate savings bonds, PSU bonds). Interest is added to your income and taxed at your full slab rate.
y1.guaranteedNet engine output.Tax-free bonds₹88,500 /yr
Legacy PSU tax-free bonds (NHAI, PFC, REC etc.). Coupons are exempt from income tax under section 10(15). Lower headline yield, but nothing bites into it.
InvIT / REIT₹1,58,400 /yr
Quarterly distributions from infrastructure / real-estate trusts. Blend of interest, dividend, and return-of-capital — modelled here as a single effective tax rate (default 12%).
Equity SWP₹2,20,000 /yr
Systematic withdrawal from an equity hybrid fund. The engine steps monthly: fund grows at monthly-return rate, you withdraw a fixed amount, cost basis is consumed proportionally. Only the gain inside each withdrawal is taxable.
Simulated monthly: total realized ≈ ₹25,000 for year 1
Sum the sleeves, divide by 12
All year-1 sleeve nets add up to the annual in-hand income. Divide by 12 for the monthly number shown across the flagship.
Pair 2 RIGHT, StickyPair in-hand, VerdictCard in-hand reference, Payout calendar avg line & sweep note, Year-by-year table row 1 (both Monthly and Today's ₹ columns — identical in year 1 because deflator = 1).What ₹1 Cr in a plain 8% FD would produce
Pair 1 compares a naive 8% FD before and after your slab. Both numbers on the same instrument — the chip between them is the true tax.
Pair 1 LEFT = ₹66,667, Pair 1 RIGHT = ₹45,867, Pair 1 chip = "tax takes ₹20,800/mo", meter = 69% reaches you / 31% never arrives (mirrors the 31.2% slab).Balanced split vs plain 8% FD, both post-tax
Pair 2's LEFT is the same ₹45,867 from Pair 1's RIGHT — the FD baseline carried forward. RIGHT is the balanced 4-sleeve result. The chip is the honest mix advantage.
Pair 2 chip = "smart mix gains ₹4,580/mo" (teal), StickyPair delta = "▲ ₹4,580 /mo vs all-FD".Is ₹50,447/mo «kaafi» for your target?
The VerdictCard compares your monthly target against the balanced in-hand. Two words decide it: whether you have enough, or how much more per month you need.
if delta ≥ 0 → “Kaafi hai ✓”
else → “Abhi kaafi nahi · ₹|delta|/mo aur chahiye”
VerdictCard headline (rust "Abhi kaafi nahi" or teal "Kaafi hai ✓") + sub with the magnitude and in-hand reference.All formulas on one page
Every number the flagship shows, boiled down. Substitute your corpus / slab / preset and rerun the math.
guaranteedNet = alloc% × corpus × yg × (1 − slab)
taxfreeNet = alloc% × corpus × ytf
yieldcoNet = alloc% × corpus × yyc × (1 − reit-tax)
equityGross = alloc% × corpus × eqw
equityNet = equityGross − max(0, realized − ₹1.25L) × 12.5%
annualNet = guaranteedNet + taxfreeNet + yieldcoNet + equityNet
monthlyNet = annualNet ÷ 12 ← the in-hand
preTax = corpus × fd ÷ 12
postTax = corpus × fd × (1 − slab) ÷ 12
taxBite = preTax − postTax = corpus × fd × slab ÷ 12
Pair 1 chip = taxBite ← "tax takes ₹X/mo"
Pair 2 chip = monthlyNet − postTax ← "smart mix gains ₹Y/mo"
delta = monthlyNet − target
delta ≥ 0 → “Kaafi hai ✓”
delta < 0 → “Abhi kaafi nahi · ₹|delta|/mo aur chahiye”
Every calculation above uses the flagship's default assumptions (guaranteed yield 8.05%, tax-free yield 5.9%, InvIT yield 9% at 12% effective tax, equity return 10.5% with 5.5% initial withdrawal, FD baseline 8%). Changing any input in the calculator re-runs the same formulas with your numbers.