SIPSWPCalculator

Free mutual fund planning tool

SIP & SWP Calculator, Together in One Window

Your SIP or lumpsum total flows straight into the SWP calculator — no copying between two tools.

One window for the whole journey: build the corpus, then spend it

Most online calculators stop at the moment your investing ends. You work out that a ₹25,000 monthly SIP at 12% for 20 years becomes ₹2.5 Crore, and then you have to copy that number, open a second tab, find a systematic withdrawal plan calculator, and retype it into a “total investment” field. Get one digit wrong and the entire retirement picture is wrong.

This tool removes that step. The total value your SIP or lumpsum produces is passed straight into the SWP calculator’s total investment field, live, as you move the sliders. Change the return assumption from 12% to 10% and the withdrawal projection underneath updates in the same breath. You never copy a number, and the two halves of the plan can never drift apart.

How the SIP to SWP handoff works

  1. Pick your accumulation mode. SIP for a monthly contribution, Lumpsum for a one-time amount.
  2. Set amount, expected return and time period. The results card shows invested amount, estimated returns and total value.
  3. Look down at the SWP section. Total investment is already filled in with that total value — no copying, no retyping.
  4. Enter your monthly withdrawal and the SWP period. You immediately see total withdrawals and the projected final value, so you can tell whether the corpus survives the plan or is exhausted by it.
  5. Override it if you want. Type your own figure into total investment and the tool respects it — useful when you already hold a corpus and only need the withdrawal half. The SWP only view does the same thing.

A worked example

Say you invest ₹25,000 a month for 20 years and assume 12% a year. You contribute ₹60 Lakh of your own money; estimated returns add ₹1.9 Crore, for a total of ₹2.5 Crore. That total drops into the SWP calculator by itself. Withdraw ₹1,50,000 a month for the next 25 years at a more conservative 9% return and you take out ₹4.5 Crore in total, with a projected final value of ₹6.68 Crore. Two numbers, one screen, no spreadsheet.

What a ₹5,000 to ₹50,000 monthly SIP builds at 12%

Estimated SIP value at a 12% annual return, contributions made at the start of each month.
Monthly SIPPeriodYou investEst. returnsTotal value
₹5,00010 years₹6 Lakh₹5.62 Lakh₹11.62 Lakh
₹5,00015 years₹9 Lakh₹16.23 Lakh₹25.23 Lakh
₹5,00020 years₹12 Lakh₹37.96 Lakh₹49.96 Lakh
₹10,00010 years₹12 Lakh₹11.23 Lakh₹23.23 Lakh
₹10,00015 years₹18 Lakh₹32.46 Lakh₹50.46 Lakh
₹10,00020 years₹24 Lakh₹75.91 Lakh₹99.91 Lakh
₹25,00010 years₹30 Lakh₹28.08 Lakh₹58.08 Lakh
₹25,00015 years₹45 Lakh₹81.14 Lakh₹1.26 Crore
₹25,00020 years₹60 Lakh₹1.9 Crore₹2.5 Crore
₹50,00010 years₹60 Lakh₹56.17 Lakh₹1.16 Crore
₹50,00015 years₹90 Lakh₹1.62 Crore₹2.52 Crore
₹50,00020 years₹1.2 Crore₹3.8 Crore₹5 Crore

The formulas behind the numbers

The SIP side uses the future value of an annuity due, because a SIP instalment is paid at the beginning of each month and therefore earns a full month of growth:

FV = P × [ ((1 + i)n − 1) ÷ i ] × (1 + i)

P is the monthly instalment, i is the annual rate divided by 12 and then by 100, and n is the number of months. The SWP side compounds the corpus forward and subtracts each withdrawal as it happens:

FV = C × (1 + i)n − W × [ ((1 + i)n − 1) ÷ i ]

C is the starting corpus, W the fixed monthly withdrawal. A negative final value means the withdrawals outran the corpus — reduce W, shorten the period, or go back and build a larger C.

Disclaimer: Every figure on this page is an illustration produced by a compounding formula, not a forecast and not investment advice. Mutual fund returns are market-linked and are neither guaranteed nor uniform year to year. Verify your own plan with a SEBI-registered investment adviser before acting on it.

Frequently asked questions

Can I calculate SIP and SWP together in one calculator?

Yes. That is exactly what this page does. The total value produced by the SIP or lumpsum calculator is fed automatically into the SWP calculator’s total investment field, so both phases of the plan sit in one window and update together. You never have to copy a figure between two tools.

Do I have to copy the SIP total into the SWP calculator myself?

No. It is filled in for you and recalculates every time you change the monthly amount, the expected return or the time period. If you would rather use a different corpus, type over it and the tool keeps your value.

Is the SIP SWP calculator free to use?

Yes, it is completely free, needs no sign-up and no personal or financial details. Everything is calculated in your browser, so nothing you enter is sent to a server.

What return rate should I assume?

Long-run Indian equity index returns have historically fallen in the 10% to 14% band over multi-decade periods, but any single decade can be far higher or lower. Many people model the accumulation phase at 10% to 12% and the withdrawal phase at 7% to 9%, because portfolios are usually shifted towards debt near retirement. Run the numbers at several rates rather than trusting one.

What does a negative final value mean in the SWP result?

It means the corpus ran out before the withdrawal period ended. Either the monthly withdrawal is too large for the corpus, the period is too long, or the assumed return is too low. Lower the withdrawal until the final value turns positive to find a sustainable figure.

Does the calculator account for tax, inflation or exit load?

No. The figures are pre-tax and in today’s rupees. In India, equity mutual fund gains held over a year are taxed as long-term capital gains, and only the gain portion of each SWP withdrawal is taxable, not the whole withdrawal. Inflation also erodes what a fixed monthly withdrawal actually buys over 20 or 30 years. Treat the output as a gross illustration.