SIP & SWP Calculator
The SIP & SWP Calculator helps you plan your SIP accumulation phase and SWP (Systematic Withdrawal Plan) for regular income in retirement.
Calculation Formula
- P = Principal amount
- r = Annual interest rate
- n = Number of years
How to Use This Calculator
Enter the monthly SIP amount, interest rate, and time period. The result updates automatically. Adjust the sliders to see how different values affect your returns.
This calculator is for informational purposes only. Investment returns are illustrative and based on assumed rates that may vary. Market-linked investments carry risk and past performance does not guarantee future returns. Interest rates on small savings schemes are reviewed quarterly by the Government of India. Consult a SEBI-registered financial advisor before making investment decisions.
Frequently Asked Questions
Find answers to common questions about sip swp calculator. Click on any question to expand the answer.
A common rule is to invest 20-30% of your monthly income through SIP. For long-term goals like retirement, start with what's comfortable and use step-up SIP (10% annual increase) to build substantial wealth over time. The key is consistency.
Start SWP when you need regular income, typically after retirement or for meeting recurring expenses. Your corpus should be large enough so that SWP rate (annual withdrawal/corpus) is below expected returns. 4-6% annual withdrawal rate is considered sustainable.
Stopping SIP doesn't mean withdrawing money. Your existing investment continues to grow. You can pause SIP temporarily or redeem partially/fully anytime (except ELSS with 3-year lock-in). Early redemption may have exit load (1%) if within 1 year.
SIP (Systematic Investment Plan) is for building wealth by investing fixed amounts regularly. SWP (Systematic Withdrawal Plan) is for creating regular income by withdrawing fixed amounts from your investment. Use SIP in earning years and SWP in retirement.
Historical returns: Equity mutual funds: 11-14% CAGR over 7+ years. Debt mutual funds: 6-8% CAGR. Hybrid/balanced funds: 8-10% CAGR. Returns are not guaranteed and depend on market conditions. Longer tenure reduces volatility risk.
Stay Updated on Tax & GST
Join our community for the latest tax updates, deadline reminders, and free tools.