Quick Summary: Annuity vs SWP Comparator

The Annuity vs SWP comparison highlights that while Annuities offer guaranteed life-long income, SWPs (Systematic Withdrawal Plans) are often more tax-efficient in FY 2026-27. Annuities are taxed at slab rates, whereas equity SWPs only attract 12.5% LTCG tax on the gains portion, preserving more capital for your legacy.

How to use the Annuity vs SWP Comparator

  1. Input Retirement Corpus

    Enter the total amount you wish to invest for regular income.

  2. Set Withdrawal Target

    Input the monthly income you need to sustain your lifestyle.

  3. Enter Annuity Rate

    Provide the current rate offered by insurers (typically 6-7%).

  4. Review Post-Tax Income

    Compare the net-of-tax monthly cash flow from both strategies.

Related Calculators

SWP Calculator
Pension Corpus Withdrawal Planner
Safe Withdrawal Rate (SWR) Simulator
PMVVY Calculator

Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.