SIP + SWP Calculator
Accumulate, then draw an income — does it work?
Corpus at retirement
₹5.69Cr
You invested
₹90.00L
Monthly withdrawal
₹1,00,000
Income lasts
Indefinitely
Build up, then draw down
The peak is the day you stop working. Everything after it is the corpus supporting you.
While you are working
₹30,000
25 yrs
12%
After you retire
₹1,00,000
8%
6%
What this calculation assumes
- •The accumulation phase uses start-of-month contributions compounding monthly.
- •The withdrawal phase takes the withdrawal at the end of each month, after that month’s returns.
- •Returns are constant in both phases. A poor sequence of returns early in retirement can exhaust a corpus far sooner than shown.
- •The post-retirement return is usually set lower than the accumulation return, reflecting a more conservative allocation.
- •Taxes on withdrawals are not deducted.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
The full lifecycle in one chart: build a corpus for N years, then withdraw from it for M years.