Free Financial Planning Tool

SIP & SWP Calculator India
Visualise Your Wealth Journey

Sumeet Boga — Creator of SIP Calculator By Sumeet Boga, Software Engineer & Finance Enthusiast
Verified for Accuracy: February 2026

This free SIP calculator helps you estimate your mutual fund SIP returns in India with annual step-up (top-up) compounding. A Systematic Withdrawal Plan (SWP) lets you plan tax-efficient withdrawals for a steady retirement income, accounting for the new 12.5% LTCG tax rules. Use this tool equipped with AMFI & SEBI approved compounding formulas to visualize growth, compare scenarios, and download detailed PDF reports.

Calculate Your SIP & SWP Returns

₹
Yrs
%
%
Total Invested
$ 68,73,000
Total Gains
$ 5,23,79,480
Total Withdrawn
$ 75,46,735
Final Corpus
$ 5,17,5,744

Yearly Breakdown

Year Start Corpus Monthly SIP Annual SIP Total Invested Interest End Corpus
1 $ 0 $ 10,000 $ 1,20,000 $ 1,20,000 $ 8,093 $ 1,28,093
2 $ 1,28,093 $ 11,000 $ 1,32,000 $ 2,52,000 $ 25,148 $ 2,85,241
3 $ 2,85,241 $ 12,100 $ 1,45,200 $ 3,97,200 $ 45,969 $ 4,76,410
4 $ 4,76,410 $ 13,310 $ 1,59,720 $ 5,56,920 $ 71,193 $ 7,7,323
5 $ 7,7,323 $ 14,641 $ 1,75,692 $ 7,32,612 $ 1,1,556 $ 9,84,570
6 $ 9,84,570 $ 16,105 $ 1,93,261 $ 9,25,873 $ 1,37,902 $ 13,15,734
7 $ 13,15,734 $ 17,716 $ 2,12,587 $ 11,38,461 $ 1,81,206 $ 17,9,527
8 $ 17,9,527 $ 19,487 $ 2,33,846 $ 13,72,307 $ 2,32,582 $ 21,75,956
9 $ 21,75,956 $ 21,436 $ 2,57,231 $ 16,29,537 $ 2,93,314 $ 27,26,501
10 $ 27,26,501 $ 23,579 $ 2,82,954 $ 19,12,491 $ 3,64,872 $ 33,74,326
11 $ 33,74,326 $ 25,937 $ 3,11,249 $ 22,23,740 $ 4,48,941 $ 41,34,516
12 $ 41,34,516 $ 28,531 $ 3,42,374 $ 25,66,114 $ 5,47,451 $ 50,24,342
13 $ 50,24,342 $ 31,384 $ 3,76,611 $ 29,42,725 $ 6,62,612 $ 60,63,565
14 $ 60,63,565 $ 34,523 $ 4,14,273 $ 33,56,998 $ 7,96,952 $ 72,74,790
15 $ 72,74,790 $ 37,975 $ 4,55,700 $ 38,12,698 $ 9,53,360 $ 86,83,849
16 $ 86,83,849 $ 41,772 $ 5,1,270 $ 43,13,967 $ 11,35,137 $ 1,3,20,256
17 $ 1,3,20,256 $ 45,950 $ 5,51,397 $ 48,65,364 $ 13,46,055 $ 1,22,17,708
18 $ 1,22,17,708 $ 50,545 $ 6,6,536 $ 54,71,901 $ 15,90,418 $ 1,44,14,663
19 $ 1,44,14,663 $ 55,599 $ 6,67,190 $ 61,39,091 $ 18,73,138 $ 1,69,54,991
20 $ 1,69,54,991 $ 61,159 $ 7,33,909 $ 68,73,000 $ 21,99,815 $ 1,98,88,715
21 $ 1,98,88,715 - $ 0 $ 68,73,000 $ 24,81,921 $ 2,17,70,636
22 $ 2,17,70,636 - $ 0 $ 68,73,000 $ 27,18,572 $ 2,38,59,208
23 $ 2,38,59,208 - $ 0 $ 68,73,000 $ 29,81,331 $ 2,61,79,038
24 $ 2,61,79,038 - $ 0 $ 68,73,000 $ 32,73,312 $ 2,87,57,775
25 $ 2,87,57,775 - $ 0 $ 68,73,000 $ 35,98,019 $ 3,16,26,490
26 $ 3,16,26,490 - $ 0 $ 68,73,000 $ 39,59,384 $ 3,48,20,105
27 $ 3,48,20,105 - $ 0 $ 68,73,000 $ 43,61,832 $ 3,83,77,880
28 $ 3,83,77,880 - $ 0 $ 68,73,000 $ 48,10,335 $ 4,23,43,955
29 $ 4,23,43,955 - $ 0 $ 68,73,000 $ 53,10,486 $ 4,67,67,968
30 $ 4,67,67,968 - $ 0 $ 68,73,000 $ 58,68,572 $ 5,17,5,744
Learn more about SIPs and how to use our calculator

Master Your Financial Future with SIP & SWP

Understanding the tools at your disposal is the first step toward effective financial planning. Our mutual fund SIP calculator is designed to demystify two of the most powerful tools for Indian and global investors: the Systematic Investment Plan (SIP) and the Systematic Withdrawal Plan (SWP).

What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) is a method of investing a fixed amount of money at regular intervals (monthly, quarterly) into mutual funds. SIPs use rupee cost averaging and compounding to build wealth over time, making them ideal for long-term goals like retirement, education, or wealth creation. As per AMFI data, SIP inflows worldwide crossed /month in 2025. Read our complete SIP guide →

  • Rupee Cost Averaging: Buy more units when NAV is low, fewer when it's high — reducing average cost automatically.
  • Power of Compounding: Reinvesting returns generates earnings on earnings, leading to exponential growth over 10-20+ years.
  • Disciplined Investing: Automates saving and removes emotional decision-making from investing.

What is a Systematic Withdrawal Plan (SWP)?

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount from their mutual fund corpus at regular intervals. SWP provides a steady, tax-efficient income stream during retirement while allowing the remaining investment to continue growing. Unlike FD interest (taxed at slab rate), SWP withdrawals are taxed only on the capital gains portion — making them significantly more efficient. Try the SWP calculator →

  • Regular Income: Create a predictable pension-like cash flow from your mutual fund investments.
  • Tax-Efficient Withdrawals: Only the capital gains portion is taxed (LTCG at 12.5% above $1,500 for equity funds).
  • Continued Growth: Remaining corpus stays invested and benefits from market growth, potentially outliving you.

How to Use This SIP & SWP Calculator

Step 1: Enter SIP Details

Set your monthly SIP amount ($5 to ), investment period (1-50 years), expected annual return rate, and optional annual step-up percentage.

Step 2: Configure SWP (Optional)

Switch to the SWP tab, enable it, and set your monthly withdrawal amount, withdrawal period, and yearly hike. The SWP phase begins automatically after your SIP period ends.

Step 3: Analyze Results

View the interactive growth chart, yearly breakdown table, and summary cards. Export results as CSV or generate a branded PDF report for clients.

SIP Calculator Formula

Future Value of SIP (Annuity Due):

FV = P × [ { (1 + i)n - 1 } / i ] × (1 + i)

FV
= Future Value (Maturity Amount)
P
= Monthly Investment Amount
i
= Monthly Rate (Annual Rate ÷ 12 ÷ 100)
n
= Total Payments (Years × 12)

Our calculator uses month-by-month simulation with step-up compounding, which is more accurate than the simple annuity formula for long-term projections. Source: AMFI India standard methodology.

SIP Return Examples: How Much Can You Earn?

$50/month for 15 Years

@ 12% return, 10% annual step-up

  • Total Invested:
  • Wealth Gained: +
  • Maturity Value:

Money multiplied ~2.1×

MOST POPULAR

$100/month for 20 Years

@ 12% return, 10% annual step-up

  • Total Invested:
  • Wealth Gained: +
  • Maturity Value:

Money multiplied ~5.1×

$25,000/month for 30 Years

@ 12% return, 10% annual step-up

  • Total Invested:
  • Wealth Gained: +
  • Maturity Value:

Money multiplied ~8.5×

🌍 GLOBAL EXAMPLE

$500/month for 20 Years

@ 10% return, 5% annual step-up

  • Total Invested:
  • Wealth Gained: +
  • Maturity Value:

Money multiplied ~2.1×

Note: These are illustrative projections. Actual returns depend on market conditions. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Risks of SIP & SWP Investments

  • Market Risk: Returns depend on stock/bond market performance. Equity SIPs can show negative returns in the short term (1-3 years). However, over 7-10+ years, diversified equity funds have historically delivered positive returns.
  • Sequence-of-Returns Risk (SWP): If markets crash early in your SWP phase, your corpus depletes faster. Stress-test your withdrawal rate against downturns.
  • Inflation Risk: A 6-7% return on debt funds may not beat inflation (5-6%). Equity SIPs historically outpace inflation over the long term.
  • No Guaranteed Returns: Unlike PPF or FDs, mutual fund returns are not guaranteed. Past performance does not guarantee future results. Always consult a SEBI-registered financial advisor.

Real-Life Success Story: The "Mr. Sharma" Strategy

Meet Mr. Sharma (30). He decides to invest $100/month in an Equity Mutual Fund via SIP for his retirement at age 60.

  • Goal: Retire with .
  • Strategy: Step-up SIP. Increase investment by 10% every year as his salary grows.
  • Result: By age 60, avoiding the urge to stop during market lows, his corpus grows to — and with SWP at $500/month, he earns a steady retirement income while the corpus continues to grow.

Moral: It's not just about starting early — it's about increasing your investment as you grow. Learn more about Step-Up SIP →

SIP vs RD vs FD vs PPF: A Comparison

SIP vs PPF vs Fixed Deposit: Investment Comparison for Indian Investors (2026)
Feature SIP (Equity MF) PPF Fixed Deposit (FD)
Expected Returns 12% - 15% (High) 7.1% (Moderate) 6% - 7% (Low)
Risk Profile High (Market Linked) Risk-Free (Govt Backed) Low Risk
Liquidity High (Exit Load < 1 yr) Low (15 Year Lock-in) High (Penalty applies)
Taxation LTCG > $1.25L taxed @ 12.5% Exempt (EEE) Taxed as Income

Use our advanced SIP & SWP calculator to model your investments and plan your withdrawals to see how you can achieve your financial goals, whether it's building a retirement corpus, funding your child's education, or creating a passive income stream. Have more questions? Check our FAQ →

Cite This Calculator

Writing an article, blog post, or research paper? You can cite this tool using the following format.

Boga, S. (2026). Advanced SIP & SWP Calculator. sipswpcalculator.com. Retrieved from https://sipswpcalculator.com/