SIP & SWP Calculator — Build Corpus, Then Withdraw SIP & SWP Calculator

Enter your SIP investment details to build a corpus, then configure your SWP to plan systematic withdrawals — see both phases calculated together with year-wise breakdowns.

Phase 1 — SIP Accumulation

Invest monthly and grow your corpus over time.

%
yrs
SIP Step-Up Configuration
  • Percentage (%)
  • Fixed Amount
  • Yearly
  • Monthly
0 = No step-up increase

Phase 2 — SWP Withdrawal

Withdraw monthly from the corpus built in Phase 1.

%
yrs
SWP Step-Up Configuration
  • Percentage (%)
  • Fixed Amount
  • Yearly
  • Monthly
0 = No step-up increase
SIP Phase
Corpus Built 0
SWP Phase

SIP Phase Results

Total Invested
0
Total Gains
0
Corpus Built
0

SWP Phase Results

Total Withdrawn
0
Returns Earned
0
Final Corpus
0

SIP Investment Breakdown

Year Monthly Investment Yearly Invested Annual Interest Total Invested Total Gains Total Value

SWP Withdrawal Breakdown

Year Monthly Withdrawal Yearly Withdrawn Annual Returns Total Withdrawn Total Returns Remaining Corpus

What is the SIP & SWP Combined Calculator?

This calculator combines two powerful financial strategies into one unified tool. In Phase 1 (SIP), you invest a fixed amount monthly to build a corpus over your chosen investment period. In Phase 2 (SWP), the accumulated corpus is passed directly to a Systematic Withdrawal Plan, where you draw a regular monthly income while the remaining amount continues to earn returns.

How the Calculation Works

  1. SIP Accumulation: Monthly investments grow at the specified annual return rate using compound interest. Optional step-up increases your investment over time.
  2. Corpus Transfer: The final value at the end of your SIP period automatically becomes the starting corpus for SWP.
  3. SWP Drawdown: Each month, interest is earned on the remaining corpus before the monthly withdrawal is deducted. Withdrawals can step up annually or monthly.
  4. Corpus Exhaustion: If the corpus reaches 0 before the withdrawal period ends, an alert is shown.

Tips for Using This Calculator

  • SIP Return Rate: Use 10–14% for equity mutual funds over long periods (10+ years).
  • SWP Return Rate: Use a lower, more conservative rate (6–9%) during the withdrawal phase to account for market variability.
  • Step-Up: A 5–10% yearly SIP step-up significantly boosts your final corpus.
  • Sustainable Withdrawal: A withdrawal rate below the monthly return on your corpus means it can last indefinitely.

Key Formulas

SIP Future Value = P × [((1 + r)n − 1) / r] × (1 + r)

SWP Monthly Interest = Remaining Corpus × (Annual Return ÷ 12 ÷ 100)

SWP End-of-Month Corpus = Corpus + Interest − Withdrawal

  • P = Monthly SIP investment | r = Monthly rate | n = Total months