About Me

The story behind SIP & SWP Calculator — who built it, why, and what we stand for.

Sumeet Boga

Software Engineer & Finance Enthusiast

Sumeet combines software engineering expertise with a deep passion for personal finance. Having experienced firsthand the lack of transparent, free financial planning tools, he built this calculator to bridge the gap between complex financial mathematics and accessible planning.

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Our Mission

SIP & SWP Calculator was built to help investors worldwide — including India, USA, UK, and beyond — visualize the power of systematic investing and plan their retirement income with confidence. We believe that everyone deserves access to professional-grade financial planning tools — without paywalls, account requirements, or hidden agendas.

What Makes Our Calculator Different

Step-Up SIP

One of the few calculators that model annual step-up SIPs — how real investors actually invest as their income grows.

SIP + SWP in One

Seamlessly model both the accumulation phase (SIP) and the distribution phase (SWP) in a single simulation.

Step-Up SWP

Adjust withdrawals for inflation with annual step-up — something most calculators don't support.

100% Free & Private

No account required, no data collection, no ads. Your financial data stays securely in your browser.

Accuracy & Disclaimer

Commitment to Accuracy

All financial data, tax rates, and formulas are verified against official sources:

Last verified: March 2026

Disclaimer

This calculator is for educational and illustrative purposes only. Projections do not account for exit loads, expense ratios, or extreme market volatility. We are not registered financial advisors. Please consult a SEBI-registered advisor before making investment decisions.

Contact: help@sipswpcalculator.com