SWP Calculator
Retirement ke baad ya kisi bhi jamai rakam se har mahine kharcha nikalna ho to sabse bada sawaal yahi hota hai — paisa kitne saal chalega. Ye calculator batata hai ki har mahine tay rakam nikalne ke baad kuch saal baad balance kitna bachega, ya paisa beech me hi khatam to nahi ho jaayega.
Calculator
Kaise banta hai
SWP me poora paisa lagaa rehta hai aur usi par return banta rehta hai, par har mahine ek tay rakam nikal jaati hai. Har mahine do cheezein hoti hain — pehle bache hue paise par return judta hai, phir usme se nikasi kat jaati hai. Agar nikasi return se kam hai to balance dheere-dheere badhta rehta hai; zyada hai to ghatna shuru ho jaata hai.
mahine ka return = saalana% ÷ 12 ÷ 100
Teen asli misaal — number ke saath
Misaal 1 — 20 saal ki nikasi. ₹12,00,000 corpus, har mahine ₹10,000 nikasi, 9% return, 20 saal. Kul ₹24,00,000 nikal gaya aur phir bhi lagbhag ₹5,32,113 bacha hua hai — kyunki return nikasi se zyada tha.
Misaal 2 — tez nikasi. ₹12 lakh me se ₹20,000 mahina nikalein, 9% return — paisa lagbhag 6 saal me khatam ho jaata hai.
Misaal 3 — surakshit dar. Aam niyam ye hai ki saal me corpus ka 4-5% se zyada na nikaalein. ₹50 lakh par ye lagbhag ₹17,000-20,000 mahina banta hai — itni nikasi par paisa bahut lambe samay tak chalta hai.
Log yahan galti kya karte hain
- Return se zyada nikalna. Agar corpus 8% kama raha hai aur aap 12% nikaal rahe hain, to paisa ghatna tay hai. Nikasi hamesha return se kam rakhein.
- Mehngai bhool jaana. Aaj ka ₹20,000 mahina 15 saal baad utna kaam nahi karega. Plan banate waqt har saal thodi badhotri ka hisaab rakhein.
- Poora paisa equity me rakhna. Market girne ke saal me nikasi karni pade to nuksan pakka ho jaata hai. Kuch hissa surakshit jagah rakhein.
- Tax na ginna. Har nikasi par gain ka hissa taxable hota hai. Haath me aane wala number thoda kam hota hai.
- Ek hi jagah sab kuch. Corpus ko 2-3 jagah baantna zyada surakshit rehta hai.
Bharat me khaas baatein
- Kaise chalu hota hai: Fund house ko SWP form dena hota hai — rakam, tareekh aur avadhi bhar kar. Paisa seedha bank me aata hai.
- Tax: SWP par TDS nahi katta (resident ke liye), par capital gain apne aap taxable rehta hai.
- Senior citizen: SCSS aur post office MIS bhi mahine ki aay ke liye vikalp hain — return tay hota hai, par lachak kam.
- Bina kist ke: Bahut se log pehle 2-3 saal ka kharcha FD me rakhte hain aur baaki SWP me — market girne par aaram rehta hai.
- Nikasi ki tareekh: Mahine ki ek hi tareekh chunein taaki ghar ka budget banane me aasaani ho.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
SWP kya hota hai?
Systematic Withdrawal Plan — jama rakam me se har mahine ek tay rakam apne aap nikal kar bank me aa jaati hai.
Kitna nikalna surakshit hai?
Aam salah ye hai ki saal me corpus ka 4-5% se zyada na nikalein.
Kya SWP me paisa khatam ho sakta hai?
Haan, agar nikasi return se zyada ho. Isi liye pehle calculator par jaanch lena chahiye.
SWP aur dividend me kya farak hai?
SWP me aap rakam tay karte hain aur wo pakki milti hai. Dividend fund ke haath me hota hai — kam ya band bhi ho sakta hai.
Kya SWP band kar sakte hain?
Haan, kabhi bhi. Rakam badalna bhi mumkin hai.