| Month | Opening Balance | Invested | Interest | Withdrawn | Closing Balance |
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How long your corpus can support withdrawals
This SIP + SWP calculator estimates how monthly investing can build a corpus and how a systematic withdrawal plan may create income from that corpus. The visual flow, schedule, chart, and scenario dashboard help you compare the moving parts before making a planning decision.
SIP means Systematic Investment Plan, where you invest regularly. SWP means Systematic Withdrawal Plan, where you withdraw a planned amount from an investment corpus. Together, they can model accumulation and income phases.
The calculator adds monthly SIP contributions, applies annual top-up increases, grows the initial investment, and compounds the balance monthly using the expected return assumption.
SWP withdrawals start according to your timing choice, follow the selected frequency, increase yearly if you choose an increment, and continue while the remaining corpus earns assumed monthly returns.
Small changes in SIP amount, withdrawal amount, return assumption, or SWP start timing can materially change final wealth and sustainability. Scenario comparison makes those trade-offs easier to see.
With a ₹5,000 monthly SIP, ₹2,00,000 initial investment, 15% expected return, 15-year SIP period, and ₹20,000 monthly SWP for 5 years, the calculator projects a large corpus at SWP start and estimates withdrawals plus remaining wealth.
It is an educational tool that estimates both investment growth and withdrawal outcomes in one view.
Yes. The calculator supports SWP from the start, after SIP ends, or after a custom number of years from SIP start.
The corpus compounds during the SIP period first, then withdrawals begin from the accumulated balance.
A top-up increases the monthly SIP every year, which can significantly improve corpus growth over long periods.
A withdrawal increment raises the withdrawal amount yearly, improving income growth but increasing pressure on the corpus.
No. This calculator is for education and estimates only. Actual investment returns can vary.
Yes. You can export a PDF report, download chart and flow images, copy a text summary, and share supported browser text.