SIP + SWP Calculator
Accumulate, then draw an income — does it work?
Premium
SIP + SWP Calculator is part of the paid plan
This one reads your actual position rather than projecting a single instrument, which is where the paid product starts. The free calculators below cover projections, loans and deposits in full — no signup, no limits.
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.