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SWP Calculator

SIP + SWP

SIP and SWP Calculator

Build a corpus with a monthly SIP, then live off it with a systematic withdrawal plan. See both phases, the hand-over and the inflation-adjusted income on one chart.

  • SIP step-up
  • Separate returns per phase
  • Inflation-linked income
  • Free, no sign-up

SIP + SWP calculator

Phase 1 · Build the corpus (SIP)

How much you invest every month.

₹

25 thousand

yrs
%
% p.a.
₹

Phase 2 · Withdraw (SWP)

How much you take out each time.

₹

1.9 lakh

Withdrawal frequency

Yearly growth you expect. Lower is safer.

% p.a.

How long you want the income to last.

yrs

How fast prices rise each year.

% p.a.
Advanced options
%

Keeps your income in step with rising prices.

Withdrawal timing

Most fund houses redeem units at the start; end-of-period earns one more period of returns.

Your projection

Your money lasts the full 25 years, and you still have ₹4,93,60,141 left.

Corpus at SWP start
₹4,97,21,789
Oct 2046
You will withdraw
₹12,50,91,087
₹1,72,23,096 in today’s money
Money left at the end
₹4,93,60,141
₹35,86,018 in today’s money
Show more details
Total invested
₹1,71,82,500
Lump sum + 20 years of SIP
Estimated returns
₹15,72,68,729
Growth earned over the plan
Final corpus
₹4,93,60,141
At Oct 2071
Final corpus in today's money
₹35,86,018
After 6% a year inflation

₹1,90,000 per month, rising 6% a year, at 8% expected return. Estimates, not guarantees.

View schedule

How your money changes

Blue: money in your account. Orange: total taken out. Purple: what your balance is really worth after inflation.

₹0₹5Cr₹10Cr₹15CrWithdrawals begin2026203320402047205420612071

Smart suggestions

Quick answers to “how much can I safely take out?”

  • Most you can take out monthly for 25 years

    Uses up all the money exactly at the end, with the same 6% yearly increase.

    ₹2,19,716

  • Take out only the growth

    Your original ₹4.97Cr stays untouched after 25 years.

    ₹1,89,782

  • Keep your money's buying power

    You end with ₹21.34Cr — worth the same as ₹4.97Cr today after 6% inflation.

    ₹91,246

  • Is your withdrawal rate safe?

    Higher than the 4% rule of thumb. A 4% start would be ₹1,65,739 per month.

    4.59%

Advanced analysis

Stress test and side-by-side comparison.

How long will my money last?

What if returns are lower, or you withdraw more? Each box shows how many years your money lasts. Your plan is outlined.

Capped at 50 years

Return ↓ / withdrawal →₹1.43L₹1.71L₹1.9L₹2.09L₹2.38L
4%
short of plan, 23.8 yrs
short of plan, 20.6 yrs
short of plan, 18.8 yrs
short of plan, 17.3 yrs
short of plan, 15.5 yrs
6%
30.6 yrs
25.4 yrs
short of plan, 22.8 yrs
short of plan, 20.8 yrs
short of plan, 18.3 yrs
8%
47.7 yrs
35.6 yrs
30.5 yrs
26.8 yrs
short of plan, 22.6 yrs
10%
50+ yrs
50+ yrs
50+ yrs
44.3 yrs
32.5 yrs
12%
50+ yrs
50+ yrs
50+ yrs
50+ yrs
50+ yrs

Year-by-year breakdown

Every year — or every month — of your plan.

Year-by-year SWP schedule
YearOpening balanceSIP addedWithdrawnReturnsClosing balanceClosing (today's money)
Yr 1 · Oct 2026 SIP₹0₹3,00,000—₹20,233₹3,20,233₹3,02,107
Yr 2 · Oct 2027 SIP₹3,20,233₹3,30,000—₹62,870₹7,13,103₹6,34,659
Yr 3 · Oct 2028 SIP₹7,13,103₹3,63,000—₹1,14,922₹11,91,025₹10,00,007
Yr 4 · Oct 2029 SIP₹11,91,025₹3,99,300—₹1,77,982₹17,68,307₹14,00,665
Yr 5 · Oct 2030 SIP₹17,68,307₹4,39,230—₹2,53,889₹24,61,426₹18,39,321
Yr 6 · Oct 2031 SIP₹24,61,426₹4,83,153—₹3,44,756₹32,89,335₹23,18,852
Yr 7 · Oct 2032 SIP₹32,89,335₹5,31,468—₹4,53,014₹42,73,818₹28,42,333
Yr 8 · Oct 2033 SIP₹42,73,818₹5,84,615—₹5,81,456₹54,39,889₹34,13,054
Yr 9 · Oct 2034 SIP₹54,39,889₹6,43,077—₹7,33,286₹68,16,251₹40,34,529
Yr 10 · Oct 2035 SIP₹68,16,251₹7,07,384—₹9,12,180₹84,35,816₹47,10,515
Yr 11 · Oct 2036 SIP₹84,35,816₹7,78,123—₹11,22,352₹1,03,36,291₹54,45,029
Yr 12 · Oct 2037 SIP₹1,03,36,291₹8,55,935—₹13,68,628₹1,25,60,854₹62,42,359
Yr 13 · Oct 2038 SIP₹1,25,60,854₹9,41,529—₹16,56,531₹1,51,58,913₹71,07,090
Yr 14 · Oct 2039 SIP₹1,51,58,913₹10,35,681—₹19,92,380₹1,81,86,975₹80,44,117
Yr 15 · Oct 2040 SIP₹1,81,86,975₹11,39,250—₹23,83,399₹2,17,09,624₹90,58,667
Yr 16 · Oct 2041 SIP₹2,17,09,624₹12,53,174—₹28,37,843₹2,58,00,641₹1,01,56,326
Yr 17 · Oct 2042 SIP₹2,58,00,641₹13,78,492—₹33,65,138₹3,05,44,271₹1,13,43,055
Yr 18 · Oct 2043 SIP₹3,05,44,271₹15,16,341—₹39,76,046₹3,60,36,658₹1,26,25,219
Yr 19 · Oct 2044 SIP₹3,60,36,658₹16,67,975—₹46,82,845₹4,23,87,478₹1,40,09,613
Yr 20 · Oct 2045 SIP₹4,23,87,478₹18,34,773—₹54,99,538₹4,97,21,789₹1,55,03,489
Yr 21 · Oct 2046₹4,97,21,789—₹22,80,000₹40,25,628₹5,14,67,417₹1,51,39,419
Yr 22 · Oct 2047₹5,14,67,417—₹24,16,800₹41,64,439₹5,32,15,056₹1,47,67,449
Yr 23 · Oct 2048₹5,32,15,056—₹25,61,808₹43,03,052₹5,49,56,300₹1,43,87,409
Yr 24 · Oct 2049₹5,49,56,300—₹27,15,516₹44,40,748₹5,66,81,532₹1,39,99,123
Yr 25 · Oct 2050₹5,66,81,532—₹28,78,447₹45,76,706₹5,83,79,791₹1,36,02,411
Yr 26 · Oct 2051₹5,83,79,791—₹30,51,154₹47,09,991₹6,00,38,627₹1,31,97,092
Yr 27 · Oct 2052₹6,00,38,627—₹32,34,224₹48,39,543₹6,16,43,947₹1,27,82,979
Yr 28 · Oct 2053₹6,16,43,947—₹34,28,277₹49,64,166₹6,31,79,835₹1,23,59,880
Yr 29 · Oct 2054₹6,31,79,835—₹36,33,974₹50,82,509₹6,46,28,370₹1,19,27,601
Yr 30 · Oct 2055₹6,46,28,370—₹38,52,012₹51,93,053₹6,59,69,412₹1,14,85,943
Yr 31 · Oct 2056₹6,59,69,412—₹40,83,133₹52,94,095₹6,71,80,374₹1,10,34,702
Yr 32 · Oct 2057₹6,71,80,374—₹43,28,121₹53,83,724₹6,82,35,977₹1,05,73,669
Yr 33 · Oct 2058₹6,82,35,977—₹45,87,808₹54,59,806₹6,91,07,975₹1,01,02,634
Yr 34 · Oct 2059₹6,91,07,975—₹48,63,076₹55,19,956₹6,97,64,855₹96,21,378
Yr 35 · Oct 2060₹6,97,64,855—₹51,54,861₹55,61,519₹7,01,71,513₹91,29,680
Yr 36 · Oct 2061₹7,01,71,513—₹54,64,153₹55,81,535₹7,02,88,895₹86,27,313
Yr 37 · Oct 2062₹7,02,88,895—₹57,92,002₹55,76,718₹7,00,73,612₹81,14,046
Yr 38 · Oct 2063₹7,00,73,612—₹61,39,522₹55,43,416₹6,94,77,506₹75,89,643
Yr 39 · Oct 2064₹6,94,77,506—₹65,07,893₹54,77,580₹6,84,47,193₹70,53,861
Yr 40 · Oct 2065₹6,84,47,193—₹68,98,367₹53,74,724₹6,69,23,550₹65,06,454
Yr 41 · Oct 2066₹6,69,23,550—₹73,12,269₹52,29,880₹6,48,41,161₹59,47,169
Yr 42 · Oct 2067₹6,48,41,161—₹77,51,005₹50,37,559₹6,21,27,715₹53,75,750
Yr 43 · Oct 2068₹6,21,27,715—₹82,16,065₹47,91,690₹5,87,03,340₹47,91,932
Yr 44 · Oct 2069₹5,87,03,340—₹87,09,029₹44,85,576₹5,44,79,887₹41,95,446
Yr 45 · Oct 2070₹5,44,79,887—₹92,31,571₹41,11,825₹4,93,60,141₹35,86,018
Total₹1,71,82,500₹12,50,91,087₹15,72,68,729₹4,93,60,141₹35,86,018

What is a SIP + SWP calculator?

A SIP and SWP calculator plans the whole investing life cycle in one projection. In the first phase, a systematic investment plan (SIP) invests a fixed amount every month — optionally rising each year — to build a corpus. In the second phase, a systematic withdrawal plan (SWP) pays that corpus back out as a regular income while the rest stays invested. Instead of running a SIP calculator and an SWP calculator separately and copying numbers between them, you see both phases, the hand-over point and the inflation-adjusted outcome on one chart.

Example: ₹25,000 a month for 20 years, then an income for 25

Invest ₹25,000 a month for 20 years, stepping it up 10% a year, in equity funds expected to return 12%. You contribute about ₹1.72 crore and the corpus reaches about ₹4.97 crore. Move it to a balanced portfolio earning 8% and start an SWP of ₹2 lakh a month, rising 6% a year with inflation: the money lasts the full 25 years and still leaves about ₹3.27 crore. The first ₹2 lakh is worth about ₹62,000 in today’s money — the calculator shows both figures so you can plan in real terms.

How to use it

  1. Phase 1 — build: enter your monthly SIP, how many years you will invest, the yearly step-up, the expected return while investing and any lump sum you already have.
  2. Phase 2 — withdraw: enter the monthly (or quarterly/yearly) withdrawal, the expected return in retirement — usually lower, as you shift towards debt — and how many years the income must last.
  3. Set inflation and keep the withdrawal step-up equal to it so your income keeps its buying power.
  4. Read the result, then use Plan checks to find the highest income your corpus can support.

Tips

  • Use a lower return for the withdrawal phase than for the SIP phase: most retirees hold more debt, which earns less.
  • A yearly SIP step-up of 5–10% that tracks your salary growth has a bigger effect on the final corpus than a slightly higher return.
  • Check a fund’s long-term annualized return in its factsheet before assuming 12%.

Projections assume constant returns and are estimates, not guarantees.

FAQ

SIP + SWP questions

Which is better, SIP or SWP?

Neither — they do opposite jobs. A SIP (systematic investment plan) builds wealth by investing a fixed amount regularly; an SWP turns accumulated wealth into regular income. Most people use a SIP while earning and switch to an SWP in retirement. Use the SIP + SWP calculator to plan both phases in one go and see the corpus you build and how long it pays out.

What is a SIP and SWP calculator?

A SIP and SWP calculator plans both phases of investing in one projection: monthly SIP contributions (with an optional yearly step-up) build a corpus over the accumulation years, and then a systematic withdrawal plan draws it down. It answers questions like “If I invest ₹25,000 a month for 20 years, how much can I withdraw every month for the next 25?” Try the SIP + SWP calculator.

How much can I withdraw monthly from an SWP?

It depends on your corpus, return and how long the money must last. As a rule of thumb, a starting withdrawal of about 4% of the corpus a year (0.33% a month) has historically lasted 30 years with inflation increases in diversified portfolios. For a 20-year plan at 8% return, ₹1 crore supports about ₹83,000 a month with no step-up. Open “Plan checks” in the calculator for the exact highest withdrawal for your own numbers.

How does an SWP calculator with inflation work?

It runs the same month-by-month projection, then divides each value by cumulative inflation — value ÷ (1 + inflation)years — to show it in today’s money. That reveals what nominal figures hide: at 6% inflation, a ₹30,000 monthly withdrawal is worth only about ₹9,350 in today’s money after 20 years. Setting the yearly step-up equal to inflation keeps your income’s buying power constant.

What return should I assume in an SWP calculator?

Assume the fund’s realistic long-term return after expenses, then knock off 1–2 points for safety. Long-run Indian figures are roughly 6–7% for debt, 9–10% for hybrid and 11–12% for diversified equity; US 60/40 portfolios have historically returned about 6–8% nominal. A fund’s factsheet shows its actual annualized return over 3, 5 and 10 years.

See all SWP questions →