Investment Strategy
The annual return rate during the payout phase (SWP/Dividend).
Target Corpus
₹1.01 Cr
Growth Value
₹65 Lakhs
Passive Income Summary
Estimated Monthly Passive Payout
Corpus Goal
₹1.01 Cr
Freedom Strategy
- ✅ Goal: Live on interest only
- 📊 Sustainable 6% payout yield
- ⚖️ Inflation-protected wealth
- 📈 High-precision compounding
Annual Cash Flow Roadmap
See how your investments grow and the potential monthly payout at each milestone year.
| Year | Investment | Total Corpus | Monthly Payout |
|---|
How is Passive Income Calculated?
Corpus: The total future value of your SIP and lumpsum investments.
Yield: The rate at which your corpus generates income (e.g., 6% for SWP).
Compounding: We use monthly compounding for the growth phase simulation.
Example Planning
- Total Corpus Built: ₹1.26 Crores
- At 6% yield, your monthly payout: ₹63,000
- Total Invested: ₹45 Lakhs | Wealth Gained: ₹81 Lakhs
Building Sustainable Passive Income in 2026
Passive income is the "holy grail" of personal finance. It is money that flows into your bank account without your active participation in a job or business. In the Indian economy of 2026, creating multiple streams of passive income is no longer a luxury but a necessity to combat inflation and job market volatility.
The Passive Income Calculator helps you transition from an "Earn-Spend" cycle to an "Invest-Harvest" cycle. By defining your target monthly payout, you can reverse-engineer the required corpus and the monthly SIP behavior needed to reach that milestone.
The 3 Best Passive Income Sources in India
To reach the numbers shown in our calculator, modern Indian investors typically use a combination of these three buckets:
- Systematic Withdrawal Plans (SWP): Investing in Equity Mutual Funds and withdrawing a fixed amount monthly. This is the most tax-efficient method for high-growth portfolios.
- Dividend Portfolios: Owning shares of high-quality, dividend-paying companies (PSUs, Utilities, Blue-chips). This provides a natural cash flow that grows with corporate profits.
- Fixed Income (Bonds/FDs): Providing a stable, low-risk foundation. While yields are lower (around 6-8%), the stability is critical for your base expenses.
Passive Income vs. Active Income Comparison
| Feature | Active Income | Passive Income |
|---|---|---|
| Time Dependency | Direct (No work = No pay) | Independent of Time |
| Scalability | Limited by hours worked | Unlimited (Compounding) |
| Primary Risk | Job Loss / Health | Market Volatility |
Strategies to Reach FI (Financial Independence) Faster
The "Yield on Cost" Edge
If you buy a dividend stock today at a 3% yield, 10 years later your yield on your original purchase price could be 15% as the company increases payouts.
Exponential Payouts
Step-Up Your Savings
Don't keep a fixed SIP. Use our Step-up Tool to increase your monthly investment by 10% every year to reach your goal 5 years earlier.
Accelerated Freedom