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Passive Income Calculator India 2026 – Monthly Investment Income

Use this free Passive Income Calculator in India to calculate the monthly passive income your portfolio generates — and how much to invest to reach your goal.

Calculate how much monthly passive income your investments will generate and your total wealth over time.

Initial Investment (₹)

Monthly SIP Investment (₹)

Expected Annual Return (%)

Investment Period (Years)

About Passive Income Investing

Passive income is money earned with minimal active effort — generated from investments in mutual funds, stocks, real estate, bonds, or fixed deposits. The power of compounding means even modest monthly investments grow into significant wealth over 10–20 years.

How to generate ₹1 Lakh monthly passive income?▼

To generate ₹1L/month (₹12L/year) passive income at 4% withdrawal rate, you need ₹3 Crore corpus. Investing ₹30,000/month at 12% CAGR for 20 years creates ₹3 Crore. Alternatively, a ₹1.5 Crore corpus earning 8% in debt funds generates ₹10L/year.

Best passive income investments in India 2025?▼

1) Mutual Fund SIPs (12-14% CAGR long-term equity), 2) Dividend-paying stocks (3-5% yield), 3) REITs for real estate exposure (6-8% yield), 4) FDs for stable income (7-7.5%), 5) Debt Mutual Funds (7-8% with better tax efficiency vs FDs).

How much to invest for ₹50,000 monthly passive income?▼

₹50,000/month = ₹6L/year. At 4% withdrawal rate, you need ₹1.5 Crore corpus. Investing ₹15,000/month at 12% for 20 years, or ₹30,000/month for 15 years achieves this goal.

📊 What is the Passive Income Calculator and How Does It Work?

Passive income is calculated from the yield of different asset classes. Dividends from stocks, rental yield from property, interest from bonds and FDs, and SWP from mutual funds are summed to show total monthly passive income.

FormulaMonthly Passive Income = (Portfolio Value × Annual Yield%) / 12 | Summed across all income-generating assets

🪓 Step-by-Step: How to Use This Calculator

Enter investment amounts in each category (stocks, real estate, bonds, FDs, MFs)
Set the expected annual yield for each asset class
Click Calculate to see monthly income from each source and total monthly passive income

📌 Example Calculation

₹2 Cr portfolio: Stocks ₹80L (2% div) + Real estate ₹60L (3.5%) + Bonds ₹40L (7%) + SWP ₹20L (4%) = ₹62,500/month passive income.

✅ Benefits of Using This Calculator

Plan your path to income independence
See exactly how much corpus generates your target income
Compare different income-generating assets
Understand corpus needed at different yield rates
Model dividend vs rental vs bond income
Set realistic passive income targets for retirement

⚙️ Key Factors That Affect Results

Total investment corpus and allocation
Dividend yield from equity (typically 1–5%)
Rental yield from real estate (2–4% in India)
Interest from bonds, FDs, and NCDs
SWP rate from mutual funds (sustainable 4–6%)
Tax on passive income sources

❓ Frequently Asked Questions

What is passive income?▼

Income earned with minimal ongoing effort — dividends, rental income, FD interest, SWP from mutual funds, bond coupons, royalties.

How much corpus for ₹1 lakh/month?▼

At 6% yield: ₹2 crore. At 4% yield: ₹3 crore. At 3%: ₹4 crore. Diversify across yield-generating assets.

Is dividend income taxable?▼

Yes, dividends are taxed at your income slab since 2020. Interest income is also taxable at slab rates.

What is SWP in mutual funds?▼

Systematic Withdrawal Plan — withdraw a fixed amount monthly while the remaining corpus continues to grow, sustaining withdrawals for decades.

What is the safest passive income in India?▼

SCSS, PMVVY, and government bonds offer guaranteed income. Diversify across FD, bonds, dividend stocks, and real estate.

Quick Formula

Monthly Passive Income
= (Total Corpus × Annual Return%) ÷ 12

Corpus Needed
= Monthly Income × 12 ÷ Rate%