संदर्भ 1
- Corpus
- INR 50 L
- Withdrawal
- INR 25k/mo
- रिटर्न
- 8%
- Risk signal
- Generally sustainable for long कालावधी
फायनान्स आणि टॅक्स
SWP कॅल्क्युलेटर
गणना करा systematic withdrawal plan income, एकूण withdrawals, final portfolio balance, आणि depletion risk वापरून मासिक compounding.
फॉर्म्युला स्पष्टीकरण
Monthly balance = previous balance x (1 + monthly return) - monthly withdrawalAn SWP reduces portfolio each month after applying अपेक्षित मासिक रिटर्न. If withdrawals exceed sustainable growth, corpus can deplete before selected कालावधी.
पायरी-पायरीने उदाहरण
- 1Convert अपेक्षित वार्षिक रिटर्न to a मासिक रिटर्न.
- 2Apply मासिक रिटर्न to remaining corpus.
- 3Subtract selected withdrawal रक्कम, never below zero.
- 4Repeat month by month आणि flag depletion if balance reaches zero early.
संदर्भ
बेंचमार्क तालिका
आम परिदृश्यों की जल्दी तुलना करें। छोटे स्क्रीन पर क्षैतिज स्क्रॉल करें।
संदर्भ 2
- Corpus
- INR 1 Cr
- Withdrawal
- INR 50k/mo
- रिटर्न
- 8%
- Risk signal
- Moderate retirement income
संदर्भ 3
- Corpus
- INR 1 Cr
- Withdrawal
- INR 1 L/mo
- रिटर्न
- 8%
- Risk signal
- High depletion risk
संदर्भ 4
- Corpus
- INR 2 Cr
- Withdrawal
- INR 75k/mo
- रिटर्न
- 7%
- Risk signal
- More conservative
नेहमी विचारले जाणारे प्रश्न
No. SWP withdrawals depend on गुंतवणूक performance आणि market risk. Debt आणि hybrid funds can also fluctuate.
कॅल्क्युलेटर stops withdrawals at zero आणि flags month of depletion so you can reduce withdrawal किंवा increase corpus.
No. टॅक्स treatment depends on fund type, holding period, capital gains rules, आणि your personal situation.
Yes. Many retirees use SWP-style withdrawals, but withdrawal रक्कम should be aligned सह inflation, portfolio risk, आणि safe withdrawal planning.
Final portfolio balance
₹1,98,17,006.93