Cash outflow, three ways
Cumulative out-of-pocket outflow: paying Limited Pay outright, paying Regular Pay with no investing, and Regular Pay + investing the difference (this strategy).
Portfolio lifecycle — SIP accumulation → SWP withdrawal
Corpus value across the full plan term, accumulation phase (Yrs 1–10) into withdrawal phase (Yrs 11–30).
SIP accumulation
Year-by-year accumulation
The invested difference, compounding at the assumed SIP-phase return.
| Year | Age | SIP this year | Invested (cum.) | Growth this year | Closing corpus |
|---|
Withdrawals vs corpus balance
Regular premium (and, if enabled, Health / PA / Car add-ons) withdrawn each year, against the remaining corpus.
Capital gains tax on withdrawals
Self-assessed capital gains tax on each year's redemption (not deducted at source) — LTCG/STCG with the ₹1.25L/FY exemption for equity funds, or slab rate for debt funds.
Year-by-year withdrawal ledger
| Year | Age | Premium | Health | PA | Car | Total W/D | Gain | Tax | Closing corpus |
|---|
Premium inflation over time
Each add-on's premium escalating at its respective inflation rate. Motor insurance follows General/Vehicle inflation, not medical inflation.
Year-by-year add-on premiums
Funding source shows whether the premium is paid out-of-pocket or from the SWP corpus.
| Year | Age | Health | PA | Car | Total | Funding source |
|---|
Full combined ledger
Every year of the plan in one table — the exact data behind the CSV/JSON export.
| Year | Age | Phase | SIP In | Premium W/D | Health W/D | PA W/D | Car W/D | Total W/D | Gain | Tax | Closing corpus |
|---|