SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
SWP Calculator
Estimate how a corpus may last under a monthly Systematic Withdrawal Plan, with an optional yearly increase in the withdrawal, the balance left at the end, and a year-by-year withdrawal schedule in Indian Rupees.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹1,00,00050 Lakh₹10,00,00,000
₹1,000₹10,00,000
120
Returns are not guaranteed.
140
015
Set to your expected inflation to keep the withdrawal's purchasing power.
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated balance at the end
₹69,63,401
After 240 monthly withdrawals totalling ₹72,00,000, at an assumed 8% a year.
Total withdrawn
₹72,00,000
Estimated growth earned
₹91,63,401
On the corpus while it stayed invested
Withdrawal that preserves the corpus
₹33,333/mo
Takes only the assumed growth
Withdrawal that lasts exactly 20 years
₹41,822/mo
Level withdrawal, ending at nil
Where the corpus went
Invested₹50,00,000
- Withdrawn51%
- Balance remaining49%
Balance and withdrawals over time
The balance still invested, against the running total paid out.
Year-by-year withdrawal schedule
| Year | Opening balance | Withdrawn | Growth this year | Closing balance |
|---|---|---|---|---|
| 1 | ₹50,00,000 | ₹3,60,000 | ₹4,01,500 | ₹50,41,500 |
| 2 | ₹50,41,500 | ₹3,60,000 | ₹4,04,944 | ₹50,86,444 |
| 3 | ₹50,86,444 | ₹3,60,000 | ₹4,08,675 | ₹51,35,119 |
| 4 | ₹51,35,119 | ₹3,60,000 | ₹4,12,715 | ₹51,87,833 |
| 5 | ₹51,87,833 | ₹3,60,000 | ₹4,17,090 | ₹52,44,923 |
| 6 | ₹52,44,923 | ₹3,60,000 | ₹4,21,828 | ₹53,06,751 |
| 7 | ₹53,06,751 | ₹3,60,000 | ₹4,26,960 | ₹53,73,711 |
| 8 | ₹53,73,711 | ₹3,60,000 | ₹4,32,518 | ₹54,46,229 |
| 9 | ₹54,46,229 | ₹3,60,000 | ₹4,38,537 | ₹55,24,765 |
| 10 | ₹55,24,765 | ₹3,60,000 | ₹4,45,055 | ₹56,09,820 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Expected annual return
- 8%
- Assumed constant. In a withdrawal plan the order of returns matters as much as their average: a fall in the early years forces more units to be sold to fund the same withdrawal, and that damage is not undone by later recovery. A constant-rate projection cannot show this.
- Withdrawal timing
- End of each month
- The balance earns the month's return first, then the withdrawal is taken — the convention used by fund house SWP calculators.
- Annual increase in withdrawal
- None
- A level withdrawal buys less every year as prices rise. An annual increase keeps its purchasing power, and runs the corpus down faster.
- Tax on withdrawals
- Not deducted
- Each withdrawal is a partial redemption of units and may be liable to capital gains tax, depending on the fund type and how long the units were held.
- Costs
- Not deducted
- Expense ratio, exit load and stamp duty are not applied.
Printed on your PDF summary. It is not saved or sent anywhere.
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
Other calculators you may find useful
View all calculatorsStep-Up SIP Calculator
See how increasing your SIP each year changes the outcome of the same plan.
SIP Delay Calculator
An illustration of what postponing the start of an investment can mean.
Building Wealth. Securing Futures.
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
Investments are subject to market risks. Returns are not guaranteed. Any discussion is educational in nature and is not a recommendation to buy or sell a financial product.