Passive income is money that keeps coming in without you working for it — interest, dividends, rent and royalties.
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Every source has a yield: FDs and bonds pay 6–8% interest, dividend shares 1–3%, REITs 6–7% and residential rent 2–3.5% of the property value. Add them up to see your monthly passive income and how much of your living costs it already covers.
Then set a target. The calculator shows the extra money you would need to invest at different yields to close the gap — a useful way to plan for financial freedom.
| Currency | ₹ Indian rupee |
| In FDs, bonds & debt funds | 1000000 |
| Interest rate | 7% |
| In dividend shares & funds | 500000 |
| Dividend yield | 2% |
| In REITs & InvITs | 0 |
| REIT yield | 6.5% |
| Rent you receive a month | 0 |
| Rent lost to repairs, society & vacancy | 20% |
| Other passive income a month (royalties, side business) | 0 |
| Your monthly expenses | 50000 |
| Passive income you want a month | 50000 |
| Your passive income | ₹6,667 a month |
| Per year | ₹80,000 |
| Share of your expenses covered | 13% |
| Gap to ₹50,000 a month | ₹43,333 |
| Extra money needed in FDs / bonds at 7% | ₹74,28,571 (74.29 lakh) |
| Extra money needed in dividend shares at 2% | ₹2,60,00,000 (2.6 crore) |
| Extra money needed invested and withdrawn at 4% a year | ₹1,30,00,000 (1.3 crore) |
₹6,667 a month.
| Currency | ₹ Indian rupee |
| In FDs, bonds & debt funds | 1000000 |
| Interest rate | 7% |
| In dividend shares & funds | 500000 |
| Dividend yield | 2% |
| In REITs & InvITs | 200000 |
| REIT yield | 6.5% |
| Rent you receive a month | 25000 |
| Rent lost to repairs, society & vacancy | 20% |
| Other passive income a month (royalties, side business) | 0 |
| Your monthly expenses | 50000 |
| Passive income you want a month | 50000 |
| Your passive income | ₹27,750 a month |
| Per year | ₹3,33,000 (3.33 lakh) |
| Share of your expenses covered | 56% |
| Gap to ₹50,000 a month | ₹22,250 |
| Extra money needed in FDs / bonds at 7% | ₹38,14,286 (38.14 lakh) |
| Extra money needed in dividend shares at 2% | ₹1,33,50,000 (1.34 crore) |
| Extra money needed invested and withdrawn at 4% a year | ₹66,75,000 (66.75 lakh) |
₹27,750 a month.
About ₹86 lakh in FDs at 7%, ₹1.5 crore withdrawn at 4% a year, or ₹3 crore in dividend shares yielding 2%.
Yes. FD and bond interest, dividends and rent are added to your income and taxed at your slab rate (rent gets a 30% standard deduction). REIT payouts are partly tax-free depending on how they are paid.
A mix is safest: FDs and bonds for stability, dividend and growth funds to beat inflation, and REITs or rent for property exposure.