Freedom number
What corpus pays your monthly income?
A common rule of thumb: a corpus can safely pay out a small percentage of itself each year without running down. Pick your target income and a safe withdrawal rate to see the corpus behind it.
Corpus you need
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How this is worked out
Corpus needed equals your yearly income divided by the safe withdrawal rate. At a 6% rate, an income of Rs 1,00,000 a month (Rs 12,00,000 a year) needs about Rs 2 crore. A lower rate is more cautious and needs a larger corpus.
The post-tax view grosses the figure up so that what reaches your hand, after tax on the withdrawals, still equals your target. It assumes a 60% equity and 40% other mix and India's current long-term equity tax rules; your real mix and slab may differ.
Synarsi does this continuously with your real numbers. See how it works.
Synarsi is a planning tool, not a financial adviser, and nothing here is financial advice. All figures are computed from the inputs you enter and are not a guarantee of future results.