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✓ Updated March 2026 · FY 2025-26

Passive Income
Estimator

Find out exactly how much corpus you need to generate your target monthly passive income — after tax and inflation.

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💤 Build Your Passive Income Plan
Target₹1 L
₹5K₹50K₹10L
Corpus₹50 L
₹1L₹50L₹10Cr
Return10%
4% FD10% Balanced18% Equity
Inflation6%
3%6% India avg10%
Current Monthly Passive Income
₹41,667
From ₹50L corpus at 10% p.a.
📊 Passive Income Sources — Allocation Suggestion
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Building Passive Income in India — Strategies & Sources

Passive income is money earned with minimal active effort — from investments, dividends, rental income, SWP from mutual funds, or royalties. In India, the most tax-efficient passive income strategies combine equity SWP (tax-free up to ₹1.25L LTCG), dividend income, and debt fund SWP.

💡 Passive Income Sources India
✓ Equity MF SWP (tax-efficient LTCG)
✓ Dividend stocks (taxed at slab)
✓ FD / Debt MF interest
✓ Rental income from property
✓ REITs / InvITs distributions
✓ NPS annuity at retirement
📊 Corpus Required (Rule of 300)
Monthly income × 300 = Corpus needed at 4% withdrawal rate (globally accepted).

₹50K/mo → ₹1.5 Cr corpus
₹1L/mo → ₹3 Cr corpus
₹5L/mo → ₹15 Cr corpus

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