SWP Calculator
Estimate kijiye ki ek mutual fund corpus kitne samay tak monthly withdrawal sambhal sakta hai, ya chune gaye saalon mein corpus ko poori tarah use karne ke liye level monthly withdrawal kitni hogi. Yeh aapki apni assumptions par based illustration hai, na koi forecast aur na koi recommendation.
Aapki SWP
Ek mode chuniye, phir neeche di gayi amounts badal kar dekhiye ki estimate kaise badalta hai.
Rupees mein, aaj mutual fund mein invest kiya gaya.
Ye aapki apni assumption hai, koi promise nahi. 8%, 10%, 12% aur 14% sirf neutral illustrative bands ke taur par diye gaye hain, ya Custom chunkar apni rate bhariye.
Flat monthly withdrawal ke liye ise 0% par rehne dijiye — yahi engine ka apna default hai.
Aapka estimate
₹50,00,000 se shuru karke, har month ₹30,000 nikalte hue 8% annual return maankar. In inputs par 60 saal ke andar corpus khatam nahi hota.
"Kitne time tak chalega" mode mein — ₹50,00,000 ke corpus se start karke, ₹30,000 per month withdraw karte hue, 8% assumed return par — calculation dikhata hai ki corpus lagbhag 60+ years (beyond the modelled horizon) tak chalega. Yeh ek mathematical illustration hai, koi promise nahi.
Withdrawal amount ya return assumption badal ke dekhiye ki duration kaise change hoti hai.
Is calculator ke baare mein jaanein
Andaaza lagata hai ki ek mutual fund corpus kitne time tak monthly withdrawal support kar sakta hai, ya chune gaye saalon mein corpus ko khatam karne wali level withdrawal kya hogi.
Ek Systematic Withdrawal Plan (SWP) ek investor ko regular intervals par mutual fund se ek fixed ya rising amount withdraw karne deta hai jabki remaining corpus invested rehta hai. Is calculator mein is idea ko dono directions se explore karne ke liye do alag modes hain.
Yeh kaise kaam karta hai
"Kitne time tak chalega" mode mein, yeh corpus ko month-by-month simulate karta hai: pehle withdrawal li jaati hai, phir remaining balance aapke chune gaye return par badhti hai, 60 saal tak. "Target duration ke liye withdrawal" mode mein, yeh chune gaye saalon se backward kaam karke us level monthly amount calculate karta hai jo corpus ko us period mein exactly khatam kar degi. Yeh do alag calculations hain — result ko hamesha yeh jaante hue padhein ki ise kaunsa mode banata hai.
Har input ka matlab kya hai
- Starting corpus
- Aaj mutual fund mein invest ki gayi amount.
- Monthly withdrawal (longevity mode)
- Har month withdraw ki gayi fixed amount, jiski longevity aap estimate karna chahte hain.
- Annual step-up (longevity mode)
- Withdrawal har saal kitni badhti hai — flat withdrawal ke liye 0%.
- Target duration (sustainable mode)
- Aap chahte hain ki corpus kitne saal chale — withdrawal solve karne ke liye duration.
- Expected annual return
- Illustration ke liye aapke dwara chuni gayi assumption — koi guarantee nahi.
Results ka matlab kya hai
- Estimated saal jo yeh chalega (longevity mode)
- Calculation dikhata hai ki corpus chuni gayi withdrawal ka kitne time tak support karta hai.
- Level monthly withdrawal (sustainable mode)
- Calculation dikhata hai ki chuni gayi duration mein corpus ko exactly khatam karne ke liye withdrawal amount kya hai.
Assumptions
- Dono modes mein, ek constant annual return har month evenly apply hota hai, market volatility, sequence-of-returns risk, taxation, ya exit load ke liye koi allowance nahi hai.
Limitations
- Koi bhi mode aapko yeh nahi batata ki di gayi withdrawal amount ya duration aapke liye sahi hai — yeh aapki poori financial situation par depend karta hai.
- Mutual fund redemptions ka taxation model nahi kiya gaya hai; har result ko before-tax aur sirf illustrative maanein.
Aam galtiyan
- "Kitne time tak chalega" ke result ko yeh sochte hue padhna ki yeh "target duration ke liye withdrawal" mode par apply hota hai, ya iske ulat.
- Kisi bhi mode se withdrawal figure ko ek recommended ya "safe" number maan lena, na ki entered specific inputs ka ek mathematical answer.
FAQ
Kya meri SWP ka paisa pakka khatam ho jayega, ya pakka chalta rahega?
Dono mein se kuch bhi certain nahi hai. Yeh tool dikhata hai ki aapke enter kiye gaye fixed return par, har month samaan roop se lagane par kya hoga — yeh market ke asli utaar-chadhaav, returns ke sequence, taxation ya exit load ko dhyan mein nahi rakhta. Actual outcomes is illustration se behtar ya badtar ho sakte hain.
Is page par dono modes mein kya difference hai?
"Kitne time tak chalega" ek withdrawal amount se start hota hai aur duration estimate karta hai. "Target duration ke liye withdrawal" ek duration se start hota hai aur withdrawal calculate karta hai.
Kya yahan dikhayi gayi withdrawal amount mere liye sahi amount hai?
Nahi — yeh calculator koi withdrawal amount recommend nahi karta aur aapki poori financial picture, dusri income, kharche ya goals ko nahi jaanta. Yeh sirf aapke enter kiye gaye numbers ka mathematical result dikhata hai.
Kya yeh meri withdrawals par tax ko dhyan mein rakhta hai?
Nahi. Mutual fund redemptions ka taxation scheme type aur holding period par depend karta hai aur yahan model nahi kiya gaya hai.
Yahan ise kaise withdraw kiya ja sakta hai jaanne se pehle ek corpus target estimate karne ke liye Retirement Calculator dekhein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.