SWP Calculator
Corpus, monthly withdrawal aur expected return daalo — paisa kitne saal chalega aur total kitna niklega, turant pata karo.
How to use — SWP Calculator
- Apna total corpus daalo — jitna paisa invested hai.
- Har mahine kitna nikalna chahte ho wo daalo.
- Expected return daalo — balanced/hybrid funds ~8%, debt ~7%.
- Calculate dabao — corpus kitne saal chalega dikh jayega.
FAQ
SWP kya hota hai?
Systematic Withdrawal Plan — mutual fund se har mahine fixed amount nikalna. Retirement me monthly income ke liye popular hai kyunki bacha hua paisa invested rehkar badhta rehta hai.
Corpus kabhi khatam na ho, iske liye kitna nikale?
Agar monthly withdrawal corpus ke monthly return se kam ya barabar hai to corpus kabhi khatam nahi hota. E.g. ₹50 lakh @ 8% = ~₹33,300/month tak safe. Ye calculator ye bhi bata deta hai.
SWP vs FD interest — kya better hai?
SWP me equity/hybrid growth potential hai aur tax-efficiency bhi (sirf capital gains pe tax, poori withdrawal pe nahi). FD me guarantee hai lekin interest fully taxable hai.
4% rule kya hai?
Retirement thumb rule: saal me corpus ka 4% nikalo to corpus 30+ saal chalta hai. ₹1 crore corpus = ₹4 lakh/saal = ~₹33,000/month.